Valero Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Valero Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Valero Credit Card is worth considering if you have a credit score of 640 or higher and you typically get gas from Valero. This card is a pretty good option thanks to its $0 annual fee and its fuel rewards. You can save up to 10 cents per gallon when you pay with the Valero Credit Card through the Valero Pay+ app.Info about the Valero Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.8/5
393 reviewsRead and write reviews
Editor’s Review
2.4/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.7
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.9
Other Features
0.0
2.7/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
29.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 10¢ per gallon on all fuel purchases through 12/31/2025 using your Valero Credit Card in the ValeroPay+ app. This offer is limited to 3 fuel purchases per user account per day, up to a maximum of 30 gallons per transaction.
Valero Credit Card's Additional Info
Enjoy personalized customer service.
Sensible credit limits and fuel-only options to help you manage your budget.
Pay at the pump at more than 5,000 convenient Valero, Diamond Shamrock, Beacon or Shamrock locations coast-to-coast.
Flexible Payment Terms: Choose the due date that works for you.
The Valero Credit Card is worth considering if you have a credit score of 640 or higher and you typically get gas from Valero. This card is a pretty good option thanks to its $0 annual fee and its fuel rewards. You can save up to 10 cents per gallon when you pay with the Valero Credit Card through the Valero Pay+ app.
The usefulness of the Valero Card is limited, however. The card only works at Valero and its subsidiaries Diamond Shamrock, Beacon and Shamrock, so you can’t use it for everything. It also has a very high interest rate, which means you need to pay the bill in full each month to avoid losing money.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.4
User Reviews
2.8
Market Comparison
2.7
fees: 5.0
rewards: 0.0
cost: 3.9
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
Market Comparison
4.1
fees: 3.3
rewards: 4.5
cost: 4.3
Other Features: 0.0
(393)
(2,931)
(5)
annual fee$0
annual fee$0
annual fee$0 intro 1st yr, $95 after
rewards rate 0 - 10 ¢ / gallon
rewards rate 1 - 3% Cash Back
rewards rate 1 - 5 points / $1
bonus offerNone
bonus offer $200
bonus offer 60,000 points
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about Valero Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make Valero Credit Card payment online, by phone, or by mail. To pay Valero Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. DSRM National Bank does allow cardholders to set up automatic payments, too.
Ways to Make Valero Credit Card Payment
Online: Log in to your online account and find the payment button.
By phone: Call (800) 333-3560 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
DSRM National Bank P.O. Box 300 Amarillo, TX 79105-0300
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Valero Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
You can use your Valero Credit Card for fuel purchases at more than 5,200 locations on the Valero network. You can find the closest location where your Valero Credit Card is accepted online.
Here's where you can use your Valero Credit Card:
Valero
Shamrock
Diamond Shamrock
Beacon
Keep in mind that Valero Credit Card doesn't belong to any major credit card network (like Visa or Mastercard), so you will only be able to use it at the gas...
You can check your Valero Credit Card application status by calling (800) 333-3560. When you call, you'll need to provide your Social Security number so that the issuer can match you to your application. The issuer does not allow you to check your application status online.
How to Check Your Valero Credit Card Application Status
The Valero Credit Card credit score requirement is 640 or better. This means that you need at least fair credit to get approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Valero Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and...
The starting credit limit for the Valero Credit Card is determined on a case-by-case basis. The issuer does not include any specific Valero Credit Card credit limit information in the card's terms.
For the most part, the Valero Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Keep in mind that you can ask to get a [url https://wallethub.com/answers/cc/valero-credit-card-credit-limit-increase-2140759123/]Valero Credit Card credit limit...
DSRM National Bank P.O. Box 300 Amarillo, TX 79105-0300
When paying Valero Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. DSRM National Bank does not accept cash.
Tips For Mailing Valero Credit Card Payments
Include your credit card number on your payment to avoid any processing delays.
Send only one check or money order per billing statement.
Yes, you can buy store items with your Valero Credit Card anywhere the card is accepted. More precisely, you can use this card for fuel, merchandise, services, and other permissible items at:
Valero gas stations
Beacon gas stations
Shamrock gas stations
Retailers that accept DSRM National Bank credit cards
Share your insights and review for the Valero Credit Card
5
24%
4
16%
3
15%
2
10%
1
35%
2.8
393 reviews
393 reviews
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Jose P @josep_3
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1 Star Rating
Paid my account too early and was penalized. It makes no sense! It's not worth it. I went ahead and canceled it. The customer service is horrible as well. Choose another gas card!
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Roy M @roym_72
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1 Star Rating
Tried to pay by debit card and it gave me a confirmation number. When the money never came out of my account, I later found out you can only pay by bank account, so my payment was late. I now have late charges and they have cut off my credit until the account is paid in full. Their payment process and website are terrible.
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Curtis Holman @xcxhxh
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1 Star Rating
The app is amazing, but the card services are horrible. The due date was 12/13 and the bill date was 11/17. I had an issue with my bank, and two payments were returned. When notified by my bank, I made a payment on 12/09. Valero suspended my account between the bill and the due date, with no notification of the suspension sent. I called customer service and was hung up on 7 times, trying to understand what happened and to fix it. When I called back each day after being hung up on, they were closed. Once I noticed the payment of the full balance, not the billed balance, was accepted and there was no change to the spending, I called again. I encountered the same issue; they hung up on me, then closed. Finally, I reached someone and was declined to turn on my card and they closed my account. If life happens, they don’t care. Poor service, poor customer care, and poor communication—bad company. Don't spend your money with them.
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Barry @bjbrode
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1 Star Rating
Does not report to ANY of the three credit bureaus. You're better off using a credit card that will report your positive payments.
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1
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andrew_6068 @andrew_6068
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1 Star Rating
Fraudulent billing practices - After a few months of using the Valero card for our truck fleet, I noticed that I was being charged late fees. I was sending in payment 10 days prior to the due date, so it struck me as odd. After calling Valero (WEX) I learned that on two occasions they were holding my payment until it was 1 day late, and then charging late fees. I canceled the account with a $0.00 balance. However, I continued to receive billing statements for monthly fees, and then an additional 32.99% interest for not paying the monthly fees on top of that. Even after calling and confirming the account was canceled, the bills keep coming. Now I am just waiting for a collection agent to call so I can try to deal with it that way.
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1
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Donna @kym_hill
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1 Star Rating
This company is horrible please don't get a credit card with them. You can't talk to anyone on the phone about you credit card. I paid my bill somehow my bank denied the payment. I got a 200.00 late fee from Valero's when my payment was 58.00. I'm hiring a company to fight this charge. I hate Valero's!
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James Garfield @jgarfield420
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4 Star Rating
I have been a card customer for over 6 months.. Haven't had any issues with service. But as for using in a Circle K In Kentucky or Indiana NOPE.. The card isn't good at any of them so far. And still haven't seen any mention on my credit that i even have a card with them. I got the card as part of credit building but if it wont report then i will be canceling it.
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Barry @bjbrode
They do not report ANY positive payments. If you pay late, I'm quite confident that they will report immediately. Too funny.
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Carissa @_unningham_riss
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5 Star Rating
Thank you for excepting me into the Valero family and I know you approved me because my payments are on time even if my history is a little over 2 years old. I messed up while young and started over with a secure card that eventually approved a unsecure card with a balance increase. This was great to receive as I have to ask others to drive me anywhere due to a seizure disorder & now I can use this card then pay it off each month. My son does a lot of driving as a timber faller and this is great for him to fill up to and helping me get to stores with the extra bonus of helping my credit score get even better. I set my son up not to make credit mistakes as a young man of 20 and he is doing fantastic. So thank you I will be using it for the first time this week and my little town only has one station I can use this at but I'm not complaining. I am curious it says you can use at Circle K which we have one but it isn't a fuel station just a store so can it still be used there anyway? Thank you!!
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mrso1964 @mrso1964
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5 Star Rating
Valero gave me a chance when others wouldn't. Yes, it has high intrest. But i have 4 or 5 Valeros in my town. So this card serves its purpose. I also travel back to see my children and grandchildren. This is a 7 hour drive and there are plenty of Valeros on my way. This is a absolute plus for me.
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judywormstedt @judywormstedt
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1 Star Rating
I applied for the card. They turned me down. They said my score was 500’s when it was really up in the 600’s. Don’t know where they got that from but I was offended. They could have made up a better reason.
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