Chevron & Texaco Business Cards for gas: What they are and alternatives in 2025

Chevron and Texaco Business Cards work as brand-exclusive fuel purchasing tools that reward company loyalty with escalating discounts and expense management. Companies can choose from three card variants: a basic option limited to Chevron and Texaco stations, a mid-tier version with expanded station access, or a flexible credit card accepted nationwide while maintaining discounts at branded locations.

However, business fuel management goes far beyond single-brand loyalty programs. Modern business credit cards like Ramp integrate fuel spending with comprehensive business expense oversight, while traditional competitors including Shell and BP offer similar brand-focused approaches with different network footprints and reward structures.

Let's break down how Chevron and Texaco Business Cards for gas work and market alternatives for different business types.

What are Chevron and Texaco Business Cards for gas?

Chevron and Texaco Business Cards for gas are fuel cards that channel fuel purchasing through branded station networks while delivering volume-based discounts and operational transparency. These cards replace petty cash systems and employee reimbursements with direct corporate billing that captures detailed transaction information for every fuel purchase.

The three-card structure addresses different operational needs and payment preferences. The standard Business Card restricts purchases to Chevron and Texaco locations exclusively, operating as a charge account requiring full monthly payment with no application or ongoing fees. The Business Access Card maintains the same payment terms while expanding acceptance to partner stations and offering volume-based rebates up to 6¢ per gallon. The Business Access Flex Card transforms into a credit account allowing monthly balance carrying, accepted at 95% of U.S. fuel stations, with variable interest rates tied to prime plus 15.99%.

Transaction security relies on dual verification through driver ID numbers and odometer readings entered at each purchase. Fleet managers can restrict purchase categories to fuel-only, set up daily spending thresholds, limit usage to business hours, and set geographic boundaries for card activation. The system automatically captures location, timestamp, product type, quantity, and driver information for comprehensive reporting and analysis.

Discount eligibility applies exclusively to Chevron and Texaco purchases through a tiered monthly volume structure. Businesses consuming 1-1,999 gallons earn 1¢ per gallon, with progressive increases reaching 2¢ for 2,000-3,999 gallons, 3¢ for 4,000-5,999 gallons, 4¢ for 6,000-7,999 gallons, 5¢ for 8,000-9,999 gallons, and 6¢ for volumes exceeding 10,000 gallons monthly. These rebates appear as billing statement credits following timely payment processing.

What are some alternative gas cards to choose from instead of Chevron and Texaco?

There are plenty of top-rated fleet fuel cards in the market, spanning from business credit cards with fuel rewards, brand-specific programs, and universal cards. Here's a breakdown of alternatives to Chevron and Texaco's gas cards.

1. Ramp Corporate Card

The Ramp corporate card approaches business fuel management through comprehensive spend oversight. Accepted anywhere Visa is, Ramp offers flat cashback on most purchases including fuel while providing advanced controls designed for oversight. Finance teams can restrict cards to fuel-only purchases, get real-time alerts for policy violations, and automatically match receipts to transactions.

Ramp also supports fleet-specific reporting, with the ability to track costs by truck, driver, or date, and even capture odometer and VIN data for improved visibility. On average, businesses save about 5¢ per gallon, making it easier to keep fuel costs under control while streamlining administration.

2. Shell Fleet Programs

Shell's business fuel cards operate through a dual-program structure serving different fleet sizes and operational requirements. Shell Card Business targets smaller fleet operations with up to 6¢ per gallon savings at Shell's 12,000+ locations, while Shell Card Business Flex extends acceptance to 95% of U.S. stations with reduced Shell-specific discounts of 5¢ per gallon. Both programs include maintenance discounts at participating Jiffy Lube locations and automated accounting integration.

3. WEX Universal Cards

WEX prioritizes maximum station accessibility through acceptance at 180,000+ locations covering 95% of U.S. fuel retailers. The program advertises potential savings up to 15¢ per gallon within preferred merchant networks, with reduced 3¢ per gallon discounts at non-participating locations. WEX emphasizes fraud protection through driver PIN requirements, spending controls, and real-time transaction monitoring with mobile management applications.

4. Fuelman Network Cards

Fuelman operates through tiered service levels including Basic, Pro, and Enterprise programs with corresponding feature sets and pricing structures. The network spans 40,000+ locations with advertised 8¢ per gallon savings at preferred merchants. The platform emphasizes driver accountability through detailed reporting, customizable spending controls, and automated fraud detection systems designed for diverse fleet management requirements.

5. BP Business Solutions Programs

BP Business Solutions structures their business fuel offerings around two core programs addressing different operational preferences. The Fuel Plus program restricts usage to BP and Amoco stations while offering up to 7¢ per gallon volume-based rebates. The Mastercard program enables universal acceptance while maintaining enhanced BP station discounts, supported by comprehensive online management tools and 24/7 customer service.

6. CFN Commercial Access

CFN operates primarily in western U.S. markets through 3,000+ commercial fueling locations designed for heavy-duty equipment and truck operations. The program offers flexible pricing through cost-plus or retail-minus structures, with specialized off-road diesel access that gets rid of tax refund filing requirements for equipment operations.

Choosing your fuel management approach

Fuel management program selection takes analyzing your operational geography, consumption patterns, and administrative priorities. Companies with concentrated operations near specific branded networks can maximize savings through brand-loyalty programs, while businesses with diverse routing needs benefit from universal acceptance despite potentially lower per-gallon discounts.

Monthly fuel volumes

Monthly fuel volumes significantly impact program value calculations. Low-consumption businesses often find simple cashback credit cards more valuable than complex fleet programs, while high-volume operations can leverage tiered discount structures and sophisticated management tools to get meaningful cost reductions. Calculate total program costs including fees, interest charges, and administrative overhead against potential savings based on realistic consumption projections.

Payment flexibility

Payment flexibility preferences vary based on cash flow patterns and financial management approaches. Charge card structures requiring full monthly payment suit businesses with consistent cash flow, while credit options provide temporary financing during seasonal fluctuations or project-based revenue cycles. Consider both immediate payment capabilities and potential interest costs when looking at different card structures.

Administrative complexity

Administrative complexity tolerance influences program selection between basic expense consolidation and comprehensive fleet management systems. Some businesses prefer simple automated billing with minimal oversight requirements, while others value detailed transaction controls, exception reporting, and integration capabilities with existing accounting systems.

Network coverage and acceptance limitations

Station network density varies quite a bit by geographic region, influencing practical usability for different business operations. Rural area coverage is a common limitation across branded fuel programs, with fewer station options potentially creating operational constraints for businesses requiring fuel access in remote locations. Companies should verify adequate station density along their typical operational routes before committing to network-restricted programs.

Emergency fueling situations need consideration of backup options when primary networks lack coverage in specific areas. Universal acceptance cards provide contingency capabilities, while branded programs may need cash payments or alternative arrangements during extended travel or emergency scenarios.

Key takeaways

Chevron and Texaco Business Cards provide a brand-focused fuel management approach that rewards loyalty with meaningful discounts while streamlining expense administration. However, business fuel management goes far beyond single-brand loyalty programs. You can choose between modern business credit cards like Ramp integrating fuel spending with comprehensive business expense oversight or traditional competitors including Shell and BP which offer similar brand-focused approaches with different network footprints and reward structures.

The decision ultimately depends on balancing discount potential against operational constraints and administrative preferences for your specific business requirements.

Manage fleet expenses with the Ramp business credit card

Many businesses don't overspend because of higher mileage. They overspend because they lack visibility into purchases. The Ramp business credit card addresses this by combining everyday corporate spend management with fleet-friendly oversight. Accepted anywhere Visa is, it comes with no foreign transaction fees and requires a minimum $25,000 balance in a U.S. business bank account. On average, companies see around 5¢ per gallon in savings, with the ability to track fuel data down to odometer readings, VIN numbers, and driver- or vehicle-level reports.

For fleets with several vehicles or monthly fuel costs above $1,000, Ramp delivers the control and transparency that traditional fuel cards often lack, reducing waste and showing exactly where every dollar goes.

Explore how the Ramp business credit card can function as a smarter fleet card for controlling fuel and vehicle expenses.

Information about third-party card providers is based on publicly available sources and may change over time. Details have not been independently verified or endorsed by the providers themselves.