5 Things to Know About the Valero Credit Card

It can offer savings per gallon at eligible gas station brands, but you won't get much else out of it.

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Updated Mar 26, 2026 8:22 a.m. PDT · 2 min read Written by Senior Writer/Spokesperson + more + more Edited by Managing Editor SOME CARD INFO MAY BE OUTDATED

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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. » MORE: NerdWallet’s best gas credit cards » MORE:

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. » MORE: 5 gas apps to help you save money » MORE:

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 » MORE:

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

NerdWallet rating Apply now Apply now Read Review 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: $0 Blue Cash Everyday® Card from American Express 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. 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. » MORE: NerdWallet’s best cash back credit cards » MORE:

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. To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page. Blue Cash Everyday® Card from American Express About the author Sara Rathner Sara is a NerdWallet travel and credit cards expert. She has appeared on the “Today” show, Nasdaq and CNBC’s “Nightly Business Report.” See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards

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