Details of Pros

A modest rebate for everyday drivers: You won’t be buying any big vacations or funding shopping sprees with the rewards you get from this card. But if you typically buy between 50 and 74.99 gallons worth of gas each month, you could earn up to $36 back per year. That’s more than you’d earn if you used a general cash-back card that offered just 1% back.   

A stronger rebate for heavy commuters and road trippers: If you drive a large car, take frequent trips out of town, or drive so far to work that you spend a good portion of your day on the freeway, you could get even more value from the Valero card. For example, if you regularly buy 75 gallons' worth of gas each month, you could earn $72 back by the end of the year. Assuming gas is around $2 per gallon, that’s almost $20 better than what you’d earn if you used a general cash-back card that offers 3% back on gas. 

Available to consumers who are building their credit: If your credit history is thin or you don't have good to excellent credit, your odds of getting approved for the Valero card may also be higher than if you set your sights on a gas card from a major bank. Most everyday rewards cards with gas bonuses cater to cardholders with good to excellent credit. Private label credit cards, by contrast, can be easier to get.

Details of Cons

High interest rate: Like many private label credit cards, the interest rate on the Valero card is high, making it a bad card for carrying a balance. Some private label gas cards charge even higher rates. However, that doesn't excuse the Valero card: If a card charges well above 20%, it's extremely expensive to carry a balance on. 

Can't be used anywhere other than affiliated gas stations: Since it's a private label card, you can only use this card at Valero gas stations and affiliated stations, such as Shamrock, Diamond Shamrock, or Beacon.That can be a big drawback if your wallet is getting heavy and you're trying to rely on fewer cards. With a general rewards card, by contrast, you can use it almost anywhere and earn bonuses on a variety of purchases. 


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Valero Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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How to Apply For Valero Credit Card
OnlineVisit the Valero Card application homepage at www.valero.comClick on "Apply Here"Provide your Personal information like; First Name, Middle name, Last name, Suffix, Date of Birth, Social Security Number, Primary Phone number, alternate phone number, email address, Total Annual Income

Valero Credit Card
If you regularly fill your car’s fuel tank with 50 to 75 gallons or more of gas each month and can’t qualify for an everyday rewards card that lets you earn more gas rewards, the Valero credit card could be a decent alternative. This private label “credit builder” card offers a large enough rebate on gas purchases to significantly trim your annual expenses—especially if you drive a gas guzzler or spend a lot of time on the road.
Valero Credit Card

How to Get the Most Out of Valero Credit Card
Valero calculates the amount you earn based on the number of gallons you purchase, rather than the amount of money you spend. So, to get the maximum possible value out of your card, continue to seek out the cheapest gas you can find from Valero-affiliated stations. A gas app, such as GasBuddy, can h

The Rewards of Valero Credit Card
RewardsEarn 4¢ per gallon if you make purchases of 50.0 gallons or more, up to 74.9 gallons and 8¢ per gallon if you make purchases of 75 gallons or more, up to 110 gallons, during any billing cycle of the Program.

Valero Credit Card Payment
The minimum payment is to be paid by the due date specified on your monthly billing statement. There are five ways to make payments on your Valero Credit card. Choose the one that’s best for you:Pay by phone by calling 1-800-333-3560 and using our automated response system (no fee applied).Pay by