Valero Credit Card
Valero Credit Card
in Credit Cards from Valero

Valero Credit Card

in Credit Cards from Valero
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Purchase APR  (Variable APR) Starting at 25.24%
Balance Transfer APR N/A
Credit Score Range N/A
Annual Fee N/A

Valero Credit Card Review

This is a card issued by Valero. If you're wondering whether Valero Credit Card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 25.24%

Pros & Cons of Valero Credit Card

The Good The Bad
  • Identity Theft Protection.
  • Valero Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Valero Credit Card FAQ

Does Valero Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Valero Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Valero Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Valero Credit Card has a variable purchase APR starting at 25.24% .

Does Valero Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Valero Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Valero Credit Card?

The following fees apply:

Valero Credit Card Fees
Fees Amount
Annual Fee
Returned Payment Fee $27
Late Payment Fee $38

What is the customer service phone number for Valero Credit Card?

The Valero Credit Card customer service number is (210) 345-2000.

What is the support contact email for Valero Credit Card?

The support contact email for Valero Credit Card is

What is the Valero Credit Card login page?

You can access the Valero Credit Card login page here.

How do people rate the customer service and user experience of Valero Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Valero Credit Card report your account activity to credit bureaus?

Yes, Valero Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Valero Credit Card

  • Visit the Valero Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday 5:00am - 10:00pm
  • Monday 5:00am - 10:00pm
  • Tuesday 5:00am - 10:00pm
  • Wednesday 5:00am - 10:00pm
  • Thursday 5:00am - 10:00pm
  • Friday 5:00am - 10:00pm
  • Saturday 7:00am - 9:00pm

About Valero Credit Card


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Interest Charge $2
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee $27
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
APR Type Variable APR
Purchase APR (Variable APR) Starting at 25.24%
Card Type
  • Gas
Card Network Other

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