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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 card that can be used at any gas station, consider general gas rewards credit cards. For example, the Discover it® Cash Back credit card comes with up to 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. All other purchases earn 1% cash back. You can redeem earned cash back any amount, any time. Rewards never expire. What is more, this credit card has no annual fee.