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Gas station credit cards or
rewards credit cards?

Many gas stations offer branded credit cards that may help you save money at the pump. But are they really good at it? Will you benefit from having a gas-branded credit card? Let's take the Murphy USA Universal Card. It may save you a lot but only at Murphy locations, which already limits your options. If you compare the Murphy credit card with a regular gas rewards credit card, you will see the difference, and which card is a best credit card for gas rewards.

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NB! 1% cash back is 3.94¢ savings per gallon at current gas prices (2% cash back ~ 7.9¢/gal and 5% cash back ~ 19.7¢/gal).**

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our choice

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 3.0
Offer is not available on Credit-Land.com

Excellent/Good/Fair Credit 

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 4.5
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Capital One's secure website

Good Credit 

Good/Excellent Credit 

Rating 4.4
on Capital One's secure website

Average, Fair, Limited Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 5.0
on Discover's secure website

Fair/New to Credit 

Rating 4.3
on Capital One's secure website

Average, Fair, Limited Credit 

Rating 4.4
on Capital One's secure website

Average, Fair, Limited Credit 

REWARDS
Rewards bonus
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
No
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
No
No
15,000 Bonus Points when you spend $1,500 in first 90 days
No
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Limited Time Offer: Earn $100 when you spend $100 in the first three months
No
Savings at all gas stations**
Up to 19.7¢ per gallon at All Gas Stations
  • Up to 4¢ per gallon at Murphy Gas Station
  • $0 at Other Gas Stations
Up to 7.88¢ per gallon at All Gas Stations
Up to 11.82¢ per gallon at All Gas Stations
Up to 7.88¢ per gallon at All Gas Stations
Up to 5.91¢ per gallon at All Gas Stations
Up to 19.7¢ per gallon at All Gas Stations
Up to 5.91¢ per gallon at All Gas Stations
Up to 7.88¢ per gallon at All Gas Stations
Up to 19.7¢ per gallon at All Gas Stations
Up to 5.91¢ per gallon at All Gas Stations
Up to 4.925¢ per gallon at All Gas Stations
Rewards on Gas
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
With the Murphy USA Universal Card, you can save up to 4¢ per gallon at Murphy USA and Murphy Express.20
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn unlimited 1.5% cash back on every purchase, every day
5x Points on gas paid at the pump and EV charging stations
Earn unlimited 1.5% cash back on every purchase, every day
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Earn unlimited 1.5% cash back on every purchase, every day
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Rewards on everyday purchases
1% unlimited cash back on all other purchases - automatically.
No rewards20
Earn 1X ThankYou® Points on All Purchases
Earn 1 Point per $1 spent on all other purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
1.5% Cash Back on every purchase, every day
1x Points on all other purchases
1.5% Cash Back on every purchase, every day
1% unlimited cash back on all other purchases - automatically
1% unlimited cash back on all other purchases - automatically.
Earn unlimited 1.5% cash back on every purchase, every day
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Rewards expiration
Rewards never expire.µ
Savings do not expire20
Points do not expire provided your account is active and in good standingµ
Points do not expire provided your account is active and in good standingµ
Your points will never expire as long as your account remains open.µ
Cash back won't expire for the life of the accountµ
Unlimited points, no rotating categories, no minimums, and no expiration on points.µ
Cash back doesn't expire for the life of the accountµ
Cash rewards never expire.µ
Rewards never expire.µ
Cash back won't expire for the life of the accountµ
Cash back won't expire for the life of the accountµ
Available gas stations
ANY
Murphy USA, Murphy Express and WEX Inc.20
ANY
ANY
ANY
ANY
ANY
ANY
ANY
ANY
ANY
ANY
RATES AND FEES
Intro APR on purchases
0% Intro APR (15 months)
N/A20
0% (15 months)
N/A
N/A
N/A
N/A
N/A
0% Intro APR (15 months)
0% Intro APR (6 months)
N/A
N/A
Regular APR
15.74% - 26.74% Variable APR
See terms20
17.24% - 27.24% (Variable)
19.74% - 27.74% (Variable)
17.74% - 27.74% (Variable)
28.49% (Variable)
17.99% Variable
28.49% (Variable)
15.74% - 26.74% Variable APR
16.74% - 25.74% Variable APR
17.99% - 27.99% (Variable)
28.49% (Variable)
Annual fee
$0
See terms20
$0
$95
$0
$0
$0
$39
$0
$0
$0
$0
Foreign transaction fee
None
See terms20
3%
0%
3%
None
None
None
None
None
None
None

More about
top credit card WITH REWARDS
2022

Discover it® Cash Back apply
on Discover's secure website
Rating 5.0

GREAT BONUS OFFER

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

GOOD REWARDS

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Expert's opinion

The no annual fee Discover it® Cash Back card has rotating category bonuses that change every year and gas purchases appear in the bonus category once a year. Earnings in categories are as high as 5% cash back up to the quarterly maximum (activation is required). That means you will earn 5% cash back on gas purchases at least one quarter each year - unbeatable offer for those who are planning to be on the road sometime in the near future. The base rewards are 1% cash back.

Excellent/Good Credit

Why rewards cards are
more flexible THAN GAS ONLY
CREDIT CARDS?

Rewards Earning
REWARDS EARNING

Gas station credit cards usually give a gallon-based discount not a percentage of the total cost of a purchase transaction. So, when the gas prices go up, your earnings will actually go down if you use gas only credit cards. For example, the Murphy USA Universal Card saves you up to 4¢ per gallon but only at Murphy gas stations based on monthly fueling volume. When you pay more for gas but buy the same amount of gas as usually, you won't save more. Gas rewards cards work differently. They reward you for each dollar spent meaning the more you spend, the more you earn. Best gas rewards cards give from 2% to 5% rebates on gas purchases and at least 1% rebate on everything, which is much higher than co-branded rewards.

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apply on Discover's secure website
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Easy Redemption
EASY REDEMPTION

When you use a gas station credit card, you either get instant discount or earn rewards that can be later redeemed as fuel credits or statement credits towards gas purchases only. Everything you earn with a gas branded credit card can be redeemed towards gas only. A gas rewards credit card can offer more redemption options and won't require you to redeem all earned rewards for gas purchases. With a gas rewards credit card, you can choose to redeem for cash, gift cards, statement credits, merchandise or travel, depending on what options are offered with the card.

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apply on Citi's secure website

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ

Lower Interest Rates
LOWER INTEREST RATES

Gas-branded credit cards may have easier approval but have high annual percentage rate (APR). The reason behind this is that they are often approved to people with fair credit who are looking to rebuild their credit. People with good credit are not approved for lower APRs, they are also given high interest rates - gas branded credit cards make no exceptions. Carrying a balance on these credit cards is very expensive. So, if your credit is good and if you do not have a habit of paying off the card balance in full each month, you may want to get a better credit card that will give you a lower interest rate.

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apply on Discover's secure website

Annual Fee: $0

Updated: Dec 07, 2022

questions ABOUT
GAS CREDIT CARDS

Is Murphy credit card accepted at any gas station? I want to save on my gas purchases.

Murphy credit card is a co-branded gas station credit card and is accepted only at Murphy gas stations, so you will receive gas savings only there. If you want to save on your gas purchases and want to have a credit...

Read more
I need a credit card with savings at Murphy gas station. Any offer available?

You can apply for any credit card with gas rewards to have savings on your gas purchases at any gas station. For example, you may consider the Discover it® Cash Back credit card with up to...

Read more
How to save money on gas using a credit card?

If you are paying the full price at the gas pump, you might need a way to save on fuel. The easiest way to do that is to have a rewards credit card. Today you can even find a gas rewards credit card - a card designed...

Read more
See all questions

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comments ABOUT
GAS CREDIT CARDS🜂

** The calculation is based on average gas prices (which is $3.94 for regular gas as of August 2022). Savings may vary. This calculation is for informational purposes only.

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