RateHerald

Our illustration, not the card’s design

Synchrony credit card

Techron Advantage Visa Card

No annual fee. 62 ¢/gal. in Fuel Discounts welcome bonus. Purchase APR 33.99%.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR
Foreign transactions

Select an underlined figure to see where it comes from.

Synchrony’s terms

Welcome offer

62 Discounts

New cardholders get 62¢/gal. in Fuel Discounts instantly at the pump or as statement credits for the first 30 days when they open a new account starting October 1, 2026. The new account offer is available from 10/1/26–3/31/27. With 3¢/gal. in everyday rewards, new Visa credit cardholders can receive up to 75¢/gal. in Fuel Discounts when they make qualifying purchases outside of fuel merchants and fill up at a Chevron or Texaco station.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.

Other cards without rewards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • 3¢/gal. in Fuel Discounts at participating Chevron and Texaco stations on every fill-up, instantly at the pump or as a statement credit.
  • When using the Techron Advantage Visa Credit Card at non-fuel merchants, spend of $100 earns 2¢/gal. more; an additional 2¢/gal. is earned for each further $100 increment during the billing period, up to a maximum of 10¢/gal.
  • Worldwide Visa acceptance.
  • 6 months of promotional financing on purchases of $199 or more, available every day.
  • Cell phone

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRfixed
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
33.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
62 ¢/gal. in Fuel Discounts. · chevrontexacocards.com, since Oct 12, 2026
Read the card agreement

We don’t earn anything from this link.