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Valero Gas Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Valero Credit Card
22 Reviews
Consumer Rating:
star ratingstar ratingstar ratinghalf star ratingno star rating3.9
Lowest:
0
Average Score:
541
Highest:
730
All
5 Star
27%
4 Star
18%
3 Star
22%
2 Star
0%
1 Star
4%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 05/11 2021
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
My credit line is fair
 
Credit Score: 0 Credit Limit: 0 Age: 65+
Posted 05/11 2021
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
My credit is fair
 
Credit Score: 730 Credit Limit: 1 Age: 65+
Posted 11/04 2020
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I have unfortunately been using the Valero credit card since my car repair/gas station switched over to Valero. With a $1,000 limit and a $0.00 balance one might think it could be used to pay for a $385 car repair. Unfortunately it does not, nor is the Valero usage policy readily available on their website. In practical use, per Valero customer support there is a $150 per day usage cap, with a maximum $350 per time period cap. Customer support did not know the length of the time period: week? month? Per Customer support, this means that with $1,000.00 in available credit, I would need to pay $150 toward my $385 bill, go back to the service station a second day to pay an additional $150, go back to the service station a third day to pay an additional $50 (for a total of $350), and then use another credit card to pay the balance due!!! I have never had such an impractical credit card. I'm informed by Valero Customer support that their credit cards are really just meant to be used to pay for gas, not repairs at participating Valero stations. Additionally, it is not just me. The owner of my nearby Valero station tells me that he has this same problem with all his customers, ok for a tank of gas, good luck paying for a repair. One would think that Valero's credit usage policy should have been disclosed upfront.
 
Credit Score: 591 Credit Limit: 300 Age: 45-54
Posted 03/15 2020
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
i have a 591 credit score and was approved for $300 i wanted this card because there was a valero just down the steet from me when i got my card i was told that the it cant be used there anymore so only place i could use it was in detroit mi thats an hour away from me or i could go to shelby oh that does still except it well just the other day i made a trip to dennys in monroe mi and found a valero station there woohoo so i only have to drive 25 miles each way to fill up i drive 6000 mile per month for my job so i hope to get an increase soon
 
Credit Score: 591 Credit Limit: 300 Age: 45-54
Posted 03/15 2020
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
i have a 591 credit score and was approved for $300 i wanted this card because there was a valero just down the steet from me when i got my card i was told that the it cant be used there anymore so only place i could use it was in detroit mi thats an hour away from me or i could go to shelby oh that 2 hours away that does still except it well just the other day i made a trip to dennys in monroe mi and found a valero station there woohoo so i only have to drive 25 miles each way to fill up i drive 6000 mile per month for my job so i hope to get an increase soon
 
Credit Score: 591 Credit Limit: 300 Age: 45-54
Posted 03/15 2020
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
i have a 591 credit score and was approved for $300 i wanted this card because there was a valero just down the steet from me when i got my card i was told that the it cant be used there anymore so only place i could use it was in detroit mi thats an hour away from me or i could go to shelby oh that 2 hours away that does still except it well just the other day i made a trip to dennys in monroe mi and found a valero station there woohoo so i only have to drive 25 miles each way to fill up i drive 6000 mile per month for my job so i hope to get an increase soon
 
Credit Score: 524 Credit Limit: 200 Age: 35-44
Posted 10/17 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I want to rebuild my credit
 
Credit Score: 600 Credit Limit: 300 Age: 18-24
Posted 09/30 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Good
 
Credit Score: 0 Credit Limit: 300 Age: 45-54
Posted 07/11 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I go to Valero and fill up all the time. And it would really benefit me if I can get a card. So when I don't have the cash I can charge it. It really would help me out alot.
 
Credit Score: 550 Credit Limit: 500 Age: 55-64
Posted 03/14 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
i BELIEVE THAT i SHOULD BE APPROVED FOR A LOW AMOUNT CREDIT CARD. IM REALLY TRYING TO IMPROVE MY CREDIT SCORE
 
Credit Score: 500 Credit Limit: 200 Age: 18-24
Posted 02/03 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
540
 
Credit Score: 645 Credit Limit: 300 Age: 25-34
Posted 07/18 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I actually got a pre-approved mail for this card. I decided to apply because I wanted an additional card to rebuild my credit and also because I use Valero and they are around my neighborhood. I was approved for $300 at first. After 3 months, I was given a credit limit increase because I was using $230 of my limit (but I pay in full). I got a mail congratulating on my $300 increase because I had an "excellent payment history" (only 2 months!). At least, that will give me some cushion since I have 2 cars (a sedan and a SUV). I do fill up more than 75 gallons month so I have been saving 8 cents a gallon with this card.
 
Credit Score: 590 Credit Limit: 300 Age: 45-54
Posted 04/27 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got this card a few months after my BK. The limit was small (only $300), but I was using this card to rebuild and use Valero anyway. They do report all bureaus and because Valero is everywhere in the area I live, this card is really handy for me. Oh , and I save some money on gas as well.

I just wished this was a Visa or MasterCard. Then I would ask for a credit limit increase and use it more. As it is now, it is in my wallet and used whenever I fill up the gas tank.
 
Credit Score: 659 Credit Limit: 400 Age: 35-44
Posted 02/11 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Got this card because I use Valero. You could also use it at Shamrock Diamond which I do once in a while. I fill up about 60 gallons a month so that that qualifies me for the 4 cents a gallon tier.

The interest rate is high so I always pay my bills in full.
 
Credit Score: 640 Credit Limit: 300 Age: 35-44
Posted 01/07 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
This card works for me. There are lots of Valero stations so this card is definitely useful. Most would be able to meet the 50 gallon a month tier and save 4 cents per gallon. I bounce between the lower tier and upper tier so sometimes I save 4 cents and sometimes 8 cents. The APR is ridiculous so make sure you pay in full every month.
 
Credit Score: 635 Credit Limit: 300 Age: 35-44
Posted 10/14 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I got this card because there are lots of valero stations around where I live and also close to work. I started out with a $300 limit. After 6 months, I requested a $500 limit increase and was successful.

If you fill up between 50 to 74.9 gallons a month, you get 4 cents off per gallon. Above that, you get 8 cents. I do not drive a gas guzzler so I get to save 4 cents per gallon a month on the card.

It's a shame that this card is not a Visa or MasterCard and you can only use at their gas stations. For that, I give this a 3 star though it does help me to save some money on gas.
 
Credit Score: 652 Credit Limit: 300 Age: 25-34
Posted 08/21 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I have had this card for 2 years. I got it because my credit was not that great and because I do use Valero. I gave me an initial credit limit of $300. I usually utilize close to the credit limit (just on gas) and pay it off in full every month.

My credit scores have increased but Valero has never given me a credit line increase. I now have a Barclays card and a Capital One card and both give me much higher credit lines.

I am still keeping this card because it does help me save money on gas.
 
Credit Score: 675 Credit Limit: 400 Age: 35-44
Posted 06/13 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
When I received my 4th statement, the bill was $300. Bear in mind that my credit line is $400 and I have 3 cars. I am always nervous of exceeding my credit limit and just a couple of days ago, I received a mail telling me that since I had a "great" history with them, my credit line has been increased by $200 to $600!
 
Credit Score: 668 Credit Limit: 300 Age: 35-44
Posted 05/09 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I do use Valero and I actually do fill more than 75 gallons in month. That qualifies me for earning 8 cents per gallon (for the month). But my starting credit limit was so low that I had to pay early just to free up my limits. After 2 months, I called Valero and told them my situation and asked for a credit line increase. They doubled it to $600. This is enough for me and frees me from the hassle of paying early to free up limits.
 
Credit Score: 685 Credit Limit: 400 Age: 35-44
Posted 01/15 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I applied and got the dreaded 7 day message. Three days later, an email arrived telling me I was approved with a $400 limit. I called to ask for a credit limit increase and requested $1000. I knew how much I spend on gas every month (traveling salesperson) and I was approved.

I do fill up more than 75 gallons a month so I earn save 8 cents a gallon, which is a decent chunk of savings.
 
Credit Score: 665 Credit Limit: 300 Age: 35-44
Posted 11/27 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Valero stations are everywhere near where I live. The card is also accepted at Shamrock Diamond and Beacon stations. So from my perspective, this is a very useful card. I fill up between 73 to 78 gallons a month so my savings vary between 4 cents and 8 cents a gallon.
 
Credit Score: 703 Credit Limit: 500 Age: 35-44
Posted 09/08 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I applied and was approved for $500. I live in CA and there are lots of Valero stations so this card will come in pretty handy.

The terms and conditions say that if you fill up between 50 and 79.9 gallons a month, you will save 4 cents per gallon. I think that is the amount that I will be saving!