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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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More about
top credit card WITH REWARDS
2024
GREAT BONUS OFFER
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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 you shop each quarter like grocery stores, restaurants, gas stations, and more, 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 bonus categories that change every quarter 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.
Why rewards cards are
more flexible THAN GAS ONLY
CREDIT CARDS?
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.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
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.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
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.
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 moreI 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 moreHow 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
comments ABOUT
GAS CREDIT CARDS🜂
** The calculation is based on average gas prices (which is $3.6 for regular gas as of April 2024). Savings may vary. This calculation is for informational purposes only.