Pay your Valero card through the Valero Energy Credit Card portal or by phone
Valero Energy offers a co-branded credit card issued through a third-party bank. To pay online, you log into the cardholder portal using your account number and PIN, then select the payment option. You can also call the customer service number on the back of your card to make a payment by phone, or set up automatic payments so the full balance or a fixed amount withdraws on a date you choose.
The card itself does not have a dedicated Valero payment website — payments route through the bank that issued it. This means your login credentials and payment portal are specific to that issuer, not to Valero as a company. Knowing which bank issued your card makes the process faster.
Key Takeaways
- Log into your cardholder account online using your card number and PIN to pay from any device with internet access.
- Payments made online typically post within one to two business days, so plan ahead if your due date is soon.
- You can set up automatic payments to withdraw a fixed amount or your full balance on the same date each month.
- Call the number on the back of your card to make a one-time payment by phone without logging in online.
- Late fees and interest charges begin if your payment does not arrive by the due date shown on your statement.
Log in to your online account to pay
Visit the cardholder portal website listed on your statement or the back of your card. Enter your account number (the 16-digit card number) and your PIN. If you have not set up online access before, you may need to create a username and password during your first login.
Once logged in, look for a "Make a Payment" or "Pay Now" button. Select the amount you want to pay — you can pay the full balance, the minimum payment, or a custom amount. Choose the payment date (same-day or a future date, depending on what the system offers). Review the details and confirm the payment. You will receive a confirmation number on screen; write it down or take a screenshot.
Payments made before 11:59 p.m. Eastern Time typically post the next business day. If you pay on a weekend or holiday, the posting date moves to the next business day after that. Your due date does not change if you pay late, so late fees explore if the payment does not arrive by the date on your statement.
Set up automatic payments so you never miss a due date
Automatic payments withdraw money from your bank account on a date you choose each month. Log into your cardholder account, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account number and routing number. Select whether you want to pay your full statement balance, the minimum payment, or a fixed dollar amount.
Choose the day of the month when the payment should withdraw — many cardholders pick the same day their paycheck arrives. The system will confirm the setup and show you when the first payment will process. You can change or cancel automatic payments anytime by logging back in, though you should do this at least a few days before the scheduled withdrawal date.
Automatic payments reduce the risk of late fees because the money leaves your bank account on a predictable schedule. However, you are still responsible for making sure your bank account has enough funds on that date — if the withdrawal fails due to insufficient funds, your card payment may be late.
Pay by phone without logging in
Call the customer service number printed on the back of your Valero card. A representative will ask for your account number, the last four digits of your Social Security number, and the amount you want to pay. They will also ask which bank account you want the payment to withdraw from.
Phone payments are processed the same way as online payments — they typically post within one to two business days. The representative will give you a confirmation number; write it down. Keep a record of the date and time you called in case you need to dispute the payment later.
Understand when your payment posts and when late fees start
Your payment due date is shown on your monthly statement. If your payment does not arrive by 11:59 p.m. Eastern Time on that date, your account is considered late. Late fees (usually $25 to $40 for the first late payment) are added to your balance, and your interest rate may increase.
Online and phone payments typically post one business day after you make them. If your due date is tomorrow, paying today online may not be fast enough — call instead to confirm the payment will post in time, or ask about paying in person at a Valero fuel station if that option is available in your area.
If you miss a due date, pay as soon as you realize it. The sooner you bring your account current, the less additional interest and fees will accrue. Contact customer service to ask whether they can waive a single late fee if this is your first missed payment.
What to do if your payment fails or does not post
If an online payment fails, you will usually see an error message on screen explaining why — most often because your bank account does not have enough funds, or because the payment date you selected has already passed. Try again with a different date or amount, or call customer service to pay by phone instead.
If you made a payment and it has been more than two business days without it posting, log back into your account and check the payment history or recent transactions section. If the payment still does not appear, call customer service with your confirmation number. They can look up the payment in their system and tell you whether it is still processing, or whether it failed and needs to be resubmitted.
Do not make a second payment until you confirm the first one failed — making duplicate payments can overdraw your bank account and create confusion when the first payment eventually posts.
Frequently Asked Questions
Can I pay my Valero card at a gas station?
Some Valero fuel stations accept card payments at the pump or inside the store, but this pays for fuel, not your credit card balance. To pay your card balance, use the online portal, call customer service, or set up automatic payments. Check your statement or call the number on your card to confirm whether in-person balance payments are available at your local station.
What if I pay more than my balance?
If you overpay, the extra amount becomes a credit on your account. You can use that credit toward your next purchase, or request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. However, if you pay less than the full balance, interest charges explore to the remaining amount. Paying only the minimum keeps your account current but costs more in interest over time.
What happens if I set up automatic payments but then close my bank account?
If your bank account closes, the automatic payment will fail and your card payment will be late. Log into your cardholder account and update your bank account information or cancel automatic payments before you close the account. Then set up a new automatic payment with your new bank account, or switch to manual online or phone payments.
Is there a fee to pay online or by phone?
No. Valero and the issuing bank do not charge a fee for online or phone payments. However, if you use a third-party payment service or money transfer app not affiliated with the card issuer, that service may charge a fee — always pay directly through the official cardholder portal or customer service line to avoid extra charges.