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Synchrony · Visa

Techron Advantage Visa® Card

Credit
$0 Annual Fee
20.24%–30.24% Variable Purchase APR
670+ Recommended FICO
Fuel Credits Reward Type
Browse Cards Synchrony Techron Advantage Visa® Card

Rewards

Reward TypeFuel Credits
ExpirationFuel Credits do not expire as long as your account remains open and in good standing.
Redemption NotesFuel Credits are automatically redeemed on your next qualifying fuel purchase at Chevron and Texaco stations. The maximum discount per gallon is 20¢ per gallon. Fuel Credits cannot be redeemed for cash or applied to your account balance. Fuel Credits are not transferable and cannot be combined with other offers or discounts unless otherwise specified.
CategoryRateTypeCap
All Other Purchases
Non-fuel purchases made at Chevron and Texaco stations. (Earns 10¢ per gallon in Fuel Credits for every $1.00 spent)
10x Cash Back No cap
All Other Purchases
All other purchases made everywhere Visa credit cards are accepted. (Earns 3¢ per gallon in Fuel Credits for every $1.00 spent)
3x Cash Back No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The Techron Advantage Visa Credit Card has no annual fee.
Financial $0
Up to $0
Concierge Services
Provides personalized assistance for travel planning, event tickets, dining reservations, and more.
Lifestyle Personalized assistance
Extended Warranty Protection
Doubles the manufacturer's or store brand warranty for eligible items purchased with the card, up to one additional year on warranties of three years or less.
Purchase Protection Up to one additional year
Purchase Security
Protects eligible purchases against theft or damage for 90 days from the date of purchase. Coverage is up to $500 per claim, up to $50,000 per cardholder.
Purchase Protection Up to $500 per claim, up to $50,000 per cardholder
Up to $500
Bonus Fuel Savings on Plus or Supreme Grade Fuel
Cardholders save an additional 7¢ per gallon on Plus or Supreme grade fuel with Techron at Chevron and Texaco stations, for a total of 12¢ per gallon, when they spend $1,000 or more in qualifying purchases outside of Chevron and Texaco stations in a billing cycle.
Rewards Additional 7¢ per gallon (total 12¢ per gallon)
Fuel Savings on Plus or Supreme Grade Fuel
Cardholders save 5¢ per gallon on Plus or Supreme grade fuel purchases with Techron at Chevron and Texaco stations.
Rewards 5¢ per gallon
Fuel Savings on Regular Grade Fuel
Cardholders save 3¢ per gallon on regular grade fuel purchases at Chevron and Texaco stations.
Rewards 3¢ per gallon
Emergency Card Replacement
Expedited replacement of a lost or stolen card.
Security Expedited card replacement
ID Navigator Powered by NortonLifeLock™
Get access to NortonLifeLock™ services to help keep you informed of potential threats to your identity. This includes Dark Web Monitoring, Data Breach Notifications, Stolen Wallet Assist, and Restoration Assist. Enrollment is required.
Security Access to NortonLifeLock™ services
Lost/Stolen Card Reporting
Assistance with reporting a lost or stolen card and arranging for a replacement card.
Security Assistance with card replacement
Zero Fraud Liability
Cardholders are protected from unauthorized purchases with zero fraud liability.
Security Full protection
Emergency Cash Disbursement
Provides emergency cash if your card is lost or stolen.
Travel Emergency cash access
Roadside Dispatch®
A pay-per-use roadside assistance program. Cardholders can call 1-800-VISA-TOW for services like standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Services are dispatched by a third party, and fees apply per service call.
Travel Pay-per-use roadside assistance
Auto Rental Collision Damage Waiver
Provides coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible Visa card and decline the rental company's collision damage waiver (CDW) or similar option. Coverage is secondary to other applicable insurance.
Travel Insurance Secondary coverage for collision/theft
Travel and Emergency Assistance Services
Provides a range of assistance services when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services rendered.
Travel Insurance Referral and coordination services

Interest Rates

Purchase APR20.24%–30.24% Variable
Cash Advance APR31.24%
Penalty APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction FeeNone
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
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 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Common triggers for Synchrony account shutdown include: manufactured spending (though less common for this card's reward structure), exceeding a perceived high cumulative credit limit across all Synchrony accounts relative to income, sudden and drastic changes in spending patterns, missed or late payments on any Synchrony account, excessive credit seeking (numerous new accounts/inquiries in a short period), and abuse of promotional offers or terms.
Cliff Effect Rules
Synchrony does not have widely publicized 'cliff effect' rules similar to major issuers like Chase's 5/24. There are no specific 'once-per-lifetime' bonus restrictions for this card's ongoing discount. However, Synchrony does manage total credit exposure per customer. Applying for too many Synchrony cards or accumulating a very high total credit limit across their portfolio can lead to denials for new applications or account reviews, effectively limiting further credit access.
International Friendly
May have limitations for international use.
Additional Issuer Rules
For 2026, the Techron Advantage Visa, issued by Synchrony, is expected to maintain its core structure. Eligibility typically requires applicants to have good to excellent credit (FICO score generally 670+). Standard application requirements include being 18+ years old, having a valid SSN/ITIN, being a US resident, and possessing verifiable income. The primary 'bonus' for this card is an ongoing discount on fuel purchases at Chevron and Texaco stations (e.g., 3¢ off per gallon), rather than a traditional sign-up bonus with a specific spend requirement. Synchrony, known for its extensive portfolio of store-branded cards, may approve multiple credit products for a single individual. However, approvals for new cards and credit limit increases are sensitive to the applicant's overall credit profile, recent inquiries, and total credit exposure across all Synchrony accounts.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Synchrony
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 20.24%–30.24% Variable
Quick Summary
Annual Fee Free
RewardsFuel Credits
Min. FICO670+
NetworkVisa
Card TypeCredit
Online
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