The Valero Credit Card, issued by DSRM National Bank, is a $0-annual-fee card that helps you save on gas purchases at specific stations under the Valero Energy umbrella. The card offers no other rewards and no welcome offer for new cardholders, but if you frequently fill up at Valero stations, the savings could add up.
Here are five things to know about the Valero Credit Card.
1. Save at the pump
Save 10 cents per gallon when you use the Valero Credit Card on the ValeroPay+ app to buy gas at eligible stations, which include Valero, Beacon, Diamond Shamrock and Shamrock.
If you fill up your car with 10 gallons of gas per week, that’s a savings of $52 per year.
2. There are limits to note
You can only get the 10-cent-per-gallon discount on up to three fuel purchases per day, and on up to 30 gallons per fill-up. Non-fuel purchases don’t get any sort of discount.
And as noted above, you must use the card via the ValeroPay+ app.
The discount is available through Dec. 31, 2026.
» MORE: How to choose a gas credit card
3. You can combine offers
If other Valero gas discounts are available, you can combine them with the 10-cent discount from the Valero Credit Card. However, there’s an exception: You can’t combine discounts from the credit card and Valero ValuePay, where you pay for gas station purchases through a linked checking account.
4. The card is only for Valero purchases
The Valero Credit Card can only be used for purchases at the above-mentioned gas station brands. If you’re looking for options that earn gas rewards but are accepted more widely, cash-back cards like the $0-annual-fee Blue Cash Everyday® Card from American Express could be a better pick (particularly for purchases within the U.S.). It earns:
- 3% cash back at U.S. gas stations on up to $6,000 in spending per year, then 1% back.
- 3% cash back at U.S. supermarkets on up to $6,000 in spending per year, then 1% back.
- 3% cash back at U.S. online retail purchases on up to $6,000 in spending per year, then 1% back.
- 1% cash back on other purchases.
- Terms apply.
There’s also a bonus offer: You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
5. The interest rate is high
As of this writing, the Valero Credit Card charges an APR of more than 28%. Because you can only use this card for specific purchases, you don’t run as much of a risk getting into debt as you would with a card you can put more of your spending on. But still, be careful to avoid carrying a balance on the Valero Credit Card if possible.
To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.
