Chevron & Texaco Business Card

Card products and pricing structure

The Chevron and Texaco Business Card program is structured around three distinct products, each targeting a different operational need. The Business Card is a charge card accepted exclusively at more than 8,000 Chevron and Texaco service locations. It carries no setup fees, no annual fees, and no per-card fees, making it a low-barrier entry point for small business fleets that fuel primarily at branded stations. Because it is a charge card, the balance must be paid in full each billing cycle, which simplifies expense reporting and eliminates interest charges.

The Business Access Card broadens merchant acceptance significantly. Also structured as a charge card, it is accepted at approximately 95 percent of U.S. fuel network locations, giving drivers the flexibility to refuel at virtually any station while still earning volume-based rebates of up to 6 cents per gallon on purchases made at Chevron and Texaco. This hybrid model appeals to fleets whose routes cross areas without convenient branded stations but still want to capture fuel savings when branded locations are available.

The Business Access Flex Card is the only credit card in the lineup. It offers the same broad acceptance as the Business Access Card but adds the option to carry a balance from month to month. There are no setup fees, no monthly fees, and no annual fees. For businesses managing seasonal cash flow or variable fuel costs, the Flex Card provides financial flexibility without sacrificing access to reporting tools or rebate eligibility. All three cards feed into the same centralized reporting and control platform, so fleet managers can mix card types within a single account depending on the needs of individual vehicle assignments.

Rebates and fuel savings

The rebate program operates on a volume-based tier system. As monthly fuel card transactions at Chevron and Texaco stations increase, the per-gallon rebate rises, reaching a maximum of 6 cents per gallon for the highest volume tier. These rebates apply exclusively to branded-station purchases; transactions at non-Chevron/Texaco stations on the Business Access or Flex cards do not earn rebates but still benefit from consolidated reporting and controls. For fleets that consistently fuel at branded locations, the cumulative gas savings can be substantial over a fiscal year, particularly for operations purchasing thousands of gallons monthly.

The volume-based structure incentivizes fleets to consolidate fuel expenses onto the program rather than splitting purchases across multiple providers. This consolidation also simplifies fuel budgeting, since managers can forecast rebate income based on projected consumption and route planning. The fuel card discounts are applied as statement credits, reducing the net cost of gas and diesel without requiring drivers to take any special action at the pump.

Spending controls and driver accountability

A central feature of the Chevron and Texaco Business Card platform is its configurable spending limits and authorization controls. Fleet managers can set restrictions at the individual card or driver level, controlling which product categories are permitted, the maximum dollar amount per transaction, the time of day during which the card can be used, and the types of fuel purchases allowed. These controls are designed to prevent misuse and keep spending aligned with operational policies.

Driver ID numbers add another layer of accountability. Each transaction can be tied to a specific driver rather than just a card number, enabling driver and expense tracking that distinguishes between authorized and unauthorized use. Odometer readings captured at the point of sale create a record that can be cross-referenced against expected mileage, helping identify potential fuel theft or personal-use violations. This data integrates with broader spending and driver analytics to surface patterns that might otherwise go undetected.

Fleet SmartHub app and reporting

The Fleet SmartHub app is the program's mobile management interface, available to account administrators and authorized users. Through the app, managers can view account balances, monitor payment activities, and track diesel and gas purchases in real time. The app also supports card management functions: users can reissue lost or compromised cards, terminate cards for departed employees, and check the status of any card in the fleet operation. Real-time alerts notify managers of unusual activity, and the app provides a mobile complement to the full web-based reporting dashboard.

On the reporting side, the platform captures detailed data at partner stations, recording who purchased what product, when the transaction occurred, and where it took place. This level of granularity supports expense management by eliminating the need for manual receipt collection and enabling automatic paperless accounting. Reports can be filtered by driver, card, date range, station, and product type, giving managers the efficiency tools they need for thorough fuel management. The data captured also feeds into broader fleet fuel solutions by providing the raw transaction detail needed for cost allocation, tax reporting, and budgeting.

Network coverage and fueling flexibility

The Chevron and Texaco branded network comprises over 8,000 stations across the United States, concentrated in regions where the brands have historically maintained strong fueling convenience and retail presence. For fleets operating primarily in these areas, the branded Business Card provides a focused, low-cost option. However, many fleet vehicles operate across diverse geographies where branded station density varies. The Business Access and Flex cards address this by extending acceptance to roughly 95 percent of all U.S. fuel stations, ensuring that vehicle fleet operators are never stranded without a fueling option.

This dual-network approach gives fleet managers strategic flexibility. They can direct drivers toward branded stations when routes allow, capturing rebates and more detailed data, while still providing a fuel card app-supported fallback at non-branded locations. The combination supports both cost optimization and operational continuity, which is particularly valuable for vehicles on long-haul or variable routes where station availability cannot always be predicted. Comprehensive card security features apply regardless of which network a transaction runs through, maintaining consistent fraud protection across all transactions.

See also

• Fuel cards — overview of fuel card programs for commercial fleets