Chevron and Texaco Fuel Cards Review: Features, Pros & Cons

Chevron and Texaco have teamed up to offer two fleet fuel card programs, the Business Card and the Business Access Card. The former is designed for small, locale fleets, while the latter is for large fleets that operate nationwide.

According to our research, neither can be crowned the best fuel card on the market, but they both come with a decent set of reporting tools and discounts. In this review, we’ll go over key features like rebates, perks, and network coverage in our review, and help you decide if a Chevron and Texaco card is the right choice for your business.

If you want a more personalized recommendation, you can get one through our free quote comparison tool. Just enter a few details about your fleet, and you’ll receive custom quotes from several trusted fuel card providers, priming you to get the best deal.

Chevron and Texaco Fuel Cards: Quick Overview

Chevron Texaco offers fuels cards that can work both for small local fleets and large nationwide fleets. Here’s a quick overview of your options and the advantages and disadvantages:

Chevron Texaco Business Card

The Chevron Texaco Business Card is suited to smaller operations based around Chevron and Texaco’s network of stations (which can mostly be found in the Northwest, Southwest, and Southeast US). This is because it can’t be used outside of this network.

But, conveniently, The Chevron Texaco Business Card comes with no monthly, annual, or setup fees, which makes it a great way to track your fuel spending on the cheap.

Reporting and spending controls

Using Chevron and Texaco’s online fleet cards portal, you can:

• Monitor your drivers’ spending in real time with automatic purchase tracking
• Generate reports on day-by-day, month-by-month, or year-by-year spending
• Take advantage of paperless, automatic accounting

This level of reporting can ultimately help you improve your fuel efficiency and reduce spending.

Importantly, using Chevron Texaco’s highly customizable purchase controls, you can also curb unnecessary spending by setting spending limits and restrictions on:

• The hours in a day, or days in a week, when your drivers can use their cards
• The type of products or services your drivers can purchase
• How many dollars they can spend per day or per week
• How many dollars they can spend per transaction
• How many transactions they can make in a day
• The total number of gallons of fuel that can be bought

These restrictions can be set by driver or by card, giving you incredible control over your fleet’s spending.

Charges and fees

The Business Card has zero fees. The only additional sum you’re at risk of paying with this card is a late fee:

*Current late fee charges listed on US State Department Chevron and Texaco Business Card application.

Rebates and discounts

The Business Card does not come with any rebates on fuel, but it does give you access to discounts on fleet-related purchases, such as parts, tires, and hotel stays.

However, Chevron Texaco states that exceptions apply to who can access discounts, and not all customers are eligible.

Network coverage

The Business Card can only be used at Chevron and Texaco stations. There are around 8,000 in the US, mostly in the Northwest, Southwest, and Southeast.

That’s not exactly a spectacular amount of coverage – WEX fleet cards are accepted in almost twice as many locations (15,000) – but that won’t be a problem at all if your fleet only operates in Chevron Texaco hotspots.

Chevron Texaco Business Access Card

The Business Access Card has been devised for larger businesses with fleets that tend to travel across the country. There are two versions of the Business Access Card, a charge card and a credit card.

The Business Access credit card allows you to carry forward the monthly balance, while the charge card does not. It also has no monthly fees, and doesn’t have an extra charge for out-of-network fuel purchases.

The Business Access charge card doesn’t allow balances to be carried forward, and it has card fees and setup fees.

Reporting and spending controls

Chevron Texaco’s Business Access Card does everything the Business Card does, offering real-time spend tracking, reporting, accounting, and the same advanced spending controls.

Charges and fees

It’s when it comes to charges and fees that the Business Access charge card and the Business Access credit card differ the most. The former has recurring fees, while the other doesn’t.

The credit card version of the Business Access Card might seem like it offers a better deal, since it has no monthly fees. However, since it’s a credit card, interest rates may apply, which means you might end up paying back a little more than what you spent.

Rebates and discounts

Unlike the Business Card, the Business Access Card program offers fuel cost rebates, meaning you can earn a little back for every gallon your fleet pays for. How much depends on how much fuel you buy per month:

These rebates only apply when you fuel up at a Chevron or Texaco station.

In addition to rebates, the Business Access Card comes with discounts on the same fleet-related purchases as the Business Card, such as parts, tires, and hotel stays.

Network coverage

The Business Access Card comes with far better coverage than the Business Card. It can be used at 8,000 Chevron and Texaco stations, but, it’s also accepted by a variety of other major brands, covering 95% of the country’s fuel stations.

However, if you have the Business Access charge card, remember that all out-of-network purchases are subject to a $2 fee.

Where are Chevron and Texaco Stations?

You can find Chevron and Texaco stations in states across the Northwest, the Southwest, and the Southeast. By contrast, in the Northeast and Central US, Chevrons and Texacos are pretty thin on the ground.

With 8,000 locations, Chevron and Texaco operate just 6% of the US’ gas stations. This won’t be an issue if your fleet operates in these areas.The Chevron network is larger than the Texaco one, and you can use both with a Chevron Texaco fuel card.

States with the most Chevron stations

• California
• Texas
• Georgia
• Florida

There are also quite a few on the coast of Washington and Oregon.

States with the most Texaco stations

• Texas
• Georgia
• Alabama

There are also a small number on the coast of California and Washington. Other states with a fair number of both Texaco and Chevron stations include Alabama and Louisiana.

Finding a Chevron or Texaco Gas Station

It’s worth knowing that looking for stations to visit can present challenges. Over the years, many of the brands’ branches have been acquired by Shell – annoyingly though, a lot of these branches still show up on navigator apps as Chevron or Texaco, despite belonging to neither.

That being said, there are still thousands out there your fleet can use. Here are some of the tools you (or your drivers) can use to locate Chevron and Texaco stations:

1. 1. Chevron’s browser-based locator. For the most up-to-date information, we’d suggest using Chevron’s online station locator. Handily, this interactive map lets you check for stations in a particular location, or plot out the stations your drivers will come across on a certain trip based on their origin and destination.
   2. Chevron and Texaco’s free station finder apps. These enable you and your drivers to browse stations from the palm of your hand. However, several users have complained that these apps sometimes direct them to Chevron or Texaco stations that no longer exist. Switching between the two can also be a pain.

Our Methodology: How Did We Do Our Research?

Here at Expert Market, when our team isn’t writing articles, they’re conducting in-depth research into the products and services that feature in our reviews and comparisons. It’s the only way to ensure that we’re imparting accurate and valuable information to our readers.

Recently, we completed a research project that closed on US fleet fuel cards, grading them against a comparison framework designed in-house. For each card, we’ve asked these questions:

• How convenient is the card to use?
• How helpful is it for managing fuel expenses (reporting, fuel rebates)?
• What can it do to ensure your company’s funds are secure?
• What extra benefits do you receive from using it?

We’ve also broken down each card by fee structure, fuel type, and network coverage so you can make a truly informed decision with all the data at hand.