Synchrony

Techron Advantage® Card

Credit

$0 Annual Fee

29.99% Variable Purchase APR

670+ Recommended FICO

Cash Back Reward Type

Rewards

Reward TypeCash Back

Category	Rate	Type	Cap
Gas Earn a total of 7 cents per gallon in fuel credits on qualifying purchases at Chevron and Texaco stations when you spend $1,000 or more in a billing cycle on qualifying purchases outside of Chevron and Texaco stations.	7x	Cash Back	No cap
Gas Earn 3 cents per gallon in fuel credits on qualifying purchases at Chevron and Texaco stations.	3x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee associated with carrying the Techron Advantage® Card.	Financial	No annual fee Up to $0
Everyday Fuel Savings Cardholders save 3 cents per gallon on fuel purchases every time they fill up at Chevron and Texaco stations.	Fuel Savings	3 cents per gallon Up to $0
Fraud Protection Cardholders are protected against unauthorized charges made on their Techron Advantage® Card.	Security	Protection against unauthorized charges
Station Acceptance The Techron Advantage® Card is accepted at all Chevron and Texaco branded stations across the USA.	Shopping	Accepted at Chevron and Texaco stations

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Common triggers for Synchrony accounts include excessive credit seeking (numerous applications in a short period), high cumulative credit limit across all Synchrony accounts, missed payments, high credit utilization, bankruptcy, or suspected abuse of promotional offers. While less common for a gas card, any manufactured spending attempts or unusual spending patterns could also be flagged.

Cliff Effect Rules

Not applicable. The Techron Advantage Card is a standalone store card and does not belong to a card family with upgrade or downgrade paths that would trigger 'cliff effects'.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Techron Advantage Card in 2026 requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to creditworthiness, with Synchrony generally being more accessible for store cards compared to prime credit cards. The primary benefit is typically a per-gallon discount on fuel purchases at Chevron and Texaco stations, often tiered based on monthly spending. No traditional sign-up bonus is usually offered, but initial discounts or introductory fuel savings may apply for new cardholders.

Synchrony

Annual Fee

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APR 29.99% Variable

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