DSRM National Bank Credit Cards
Please find below 1 credit cards offered by DSRM National Bank. Use the filters to refine or expand your credit card search.
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- Purchase Intro APRNot Offered
- Transfer Intro APRNot Offered
- Regular APR23%
- Earn 4¢ per gallon if you make purchases of 50.0 gallons or more, up to 74.9 gallons and 8¢ per gallon if you make purchases of 75 gallons or more, up to 110 gallons, during any billing cycle of the Program.
DSRM NATIONAL BANK CREDIT CARD REVIEWS
First off, gas cards are the same as store cards, and they come with high interest rates. Carrying a balance is not a good idea with them. As a matter of fact, years ago, all gas cards were strictly charge cards, and the full balance was due every month. The Valero Credit Card comes in handy if you do a lot of driving, and you have at least a few Valero stations where you drive. I keep it only for the fuel discounts and because it's a closed-end card that cannot be used anywhere else. If you have teens or grown children who drive, you might allow them to use it to purchase fuel without having to worry about them going on shopping sprees. The 23% interest rate on the Valero Card is actually a good deal for a gas card. Most run around 28 to 30%. Still, you really shouldn't carry a balance with a gas card, and as long as you don't, the interest rate is irrelevant.… show more
I don't drive enough to get ANY discounts. The website to pay is absurd. Multiple questions, social security AND password-and none of them allows your computer to remember them! Just cut up my card. NOT WORTH THE HASSLE!
U state that I can use my Valero card at circle k stores yet at every above mentioned store it says unknown card. And when u take it into the store to have a clerk try they look at u like your an idiot and ask u what the hell is a Valero gas card
I read all these reviews with IDIOTS trashing this card and comparing it to such things as Disney Chase Visa cards and such . . . Here it is in a nutshell. It is a basic gas card to purchase fuel at Valero allowing you to not load up your Visa or Mastercard credit cards. People complaining about APR 1) really have no business having credit cards anyway as they should not live off them or run balances and 2) you knew the APR when you signed up or should have . . . dear lord people are so moronic to trash a card because they have some sort absurd expectations. It's like leaving a bad review for a restaurant because you were put on a wait when you arrived. get over yourselves people.… show more
I've been a Valero card holder for 2 years. It's my favorite gas card because the rewards are much better than BP, Texico, Chrevron, Marathon and Shell (IF) you can manage to meet the 50 gallon monthly requirement. If you spend less than that, I would recommend that you get a gas card from some other company. The other companies will more than likely give you 3 or 4 cents off per gallon with no purchase requirements.… show more
I like the fact that the Valero Credit Card does not charge an annual fee, as most cards do. I also like the fact that you can earn gas rewards up to .08¢ per gallon. But I don't think my likes outweigh my dislikes. I do not see myself using this card. For one you can only use it at a Valero station and where I live the closest one is about 30 minutes away. For two you cannot use this card to get cash back or withdraw cash from an ATM. One of the biggest benefits of having a credit card to me is being able to get money when you really need it. The third and final thing that I really don't like about this card is it has no smartchip. This is a big factor for me as it protects against theft. Overall I do not like this card. I don't think it would be a good fit for me.… show more
This card is a bit of a mixed bag. The gas rewards of up to .08/gal is a nice plus, and if you drive a lot, you shouldn't have much of a problem hitting the top tier. Obviously the $0 annual fee is great as well. Also, if you don't have great credit you still have a shot at getting your hands on this card.
However, there are a few things that hold this card back, and ultimately would lead me to say that you should search around before committing to this card. First off, there are a bunch of cards out there that offer rewards on grocery items as well as the gas. Secondly, now days, the lack of a smart chip is a big downside. Overall though, the thing that really hurts this card is the 23% APR, which is definitely on the higher end of gas cards - so if you are planning on carrying a balance, I would look elsewhere.… show more
The Valero Gas Card has nice reward tiers when compared to other gas cards. I don't drive too much but would be able to get mid or high tier rewards consistently. I would definitely make sure to pay this card off every month because the rate is on the high end. No annual fee is nice though, I currently pay $99 for my rewards credit card. No smart chip is a downside, I wish that cards would move to it already for the extra protection.… show more
I was looking around for credit cards and found that the Volero Credit Card was a great deal. No annual fee really made this a great offer. Each billing cycle you are able to earn up to 8 cents off a gallon. The only downside is you need to pay it off before the interest kicks in because 23% can crunch into your savings. The savings can scale with the grade of gas as well which means you'll save even more at the pump.… show more
Not a whole lot to like here. The interest rate on this super high. I can't imagine carrying a balance on this card. I have a credit card through my local credit union and the regular rate on the card is 7.99%. If you have decent credit and tend to carry a balance, you can do better. Now if you're using this card strictly to buy gas and pay it off monthly, you might be able to see some benefit in this card. You can earn up to $.08 off per gallon of gas, if you purchase between 75-110 gallons of gas a month. That's a lot of gas for me, so this card wouldn't be useful to me, but as always, your situation might be different.… show more
QUESTIONS & ANSWERS
Ask a question about DSRM National Bank Credit Cards
Unfortunately not. It’s like a gas-station version of a store card, which means it can only be used to make purchases at Valero locations. It’s meant to provide convenience at the pump (and encourage you to spend money at Valero) but otherwise won’t do you too many favors, such as an emergency loan in the form of a cash advance.
No $0.00 means just that! How can you get something when you have nothing???
The Valero gas card can be used for fuel purchases at Valero, Beacon, Diamond Shamrock Shamrock gas stations and Circle K stores.
Unfortunately, it is a store card (not on a network like Visa or MasterCard). So you can only use it at those specific gas stations.
It is issued by DSRM National Bank (the initials stand for Diamond Shamrock Refining and Marketing), which was a unit of Diamond Shamrock before it was acquired by Valero.
You can purchase fuel, merchandise, services, and other permissible items at Valero and other retailers that accept the DSRM National Bank credit card. Hope this helps!
Unfortunately not. The Valero card is like a gas-station version of a store card. You may use it to make charges for fuel, merchandise, services, and other permissible items at Valero, Beacon, or Shamrock stores, but you cannot get cash advances.
You may use your Valero credit card to purchase fuel, merchandise, and services at Valero, Beacon, Shamrock stores or other retailers that accept the DSRM National Bank credit card – the discount, however, does not apply to non-fuel purchases.
Also, please note that this is a credit card, so there are no minimum balance requirements. A credit card allows you to borrow money from your bank to make your purchases, and you have to pay back the amount borrowed by the end of the billing cycle – or at least meet the minimum payment requirements.
You can manage your Valero credit card account, view recent activity, and check your card’s balance by logging into your online card account here. If you don’t have an account yet, you can set it up on the same page.
Unfortunately, it is not. Your application is subject to credit approval, and you need at least fair credit to be eligible for the Valero Credit Card.
You can check your credit score for free on WalletHub to estimate your approval odds.
I use well over 50 gallons a month.
A gas rebate as offered by the Valero Credit Card implies that for every gallon of fuel purchased with your card, you will receive a discount. This, however, does not mean an automatic discount at the pump – in the moment of purchase, you still have to pay full price, and the rebate will be paid to you in the form of a credit applied against your account balance, or in the form of a yearly check mailed to the address shown on your statement.