Murphy USA Fuel Card Review: Is it the Right Fuel Card for Your Fleet?

If your business regularly fuels at Murphy USA, Murphy Express, or QuickChek locations, the Murphy USA fuel card can help you get fuel discounts while gaining more control over fleet fuel spending. The card combines per gallon discounts, flexible plan tiers, and fleet management tools to help businesses manage fuel purchases and monitor driver activity.

However, with three different plan tiers, varying fees, and discounts that depend on fueling at Murphy locations, it’s important to understand how the program works before deciding if it’s the right option for your fleet.

In this review, we break down where the Murphy USA fuel card is accepted, how the discount program works, the fees to expect, and the controls and reporting tools available through the AtoB platform. We’ll also cover the key pros and cons and look at a few alternatives to help you decide if the Murphy USA fuel card makes sense for your business.

Murphy USA Fuel Card: Overview

What Is the Murphy USA Fuel Card?

The Murphy USA fuel card is a business fuel card designed for companies that want fuel discounts at Murphy USA, Murphy Express, and QuickChek locations, along with fleet management tools to control and monitor fuel spending.

The card is issued through the AtoB fuel card platform and runs on the Mastercard network, allowing drivers to fuel at any station that accepts Mastercard. However, the fuel discounts are only available when drivers fuel at the 1,700+ Murphy network locations.

Murphy offers three plan tiers for businesses: Value, Velocity, and VIP. Each plan includes fuel discounts based on monthly purchase volume, with additional benefits depending on the tier, such as automatic volume tier boosts and exclusive pricing options for higher tier plans.

Because the card is managed through the AtoB platform, it also includes modern fleet controls and reporting tools. Fleet managers can set spending limits, restrict fueling by time or day, block certain merchants, and monitor transactions through detailed reporting and IFTA reports.

Where Is the Murphy USA Fuel Card Accepted?
The Murphy USA fuel card is accepted anywhere Mastercard is accepted, providing businesses with broad purchasing flexibility. However, out-of-network transaction fees apply when the card is used at stations outside of Murphy USA, Murphy Express, and QuickChek locations for both the Velocity and VIP plans. To avoid these fees, drivers should fuel at Murphy locations whenever possible.

Murphy USA Fuel Card Discounts

The Murphy fuel card offers an introductory discount of 20¢ per gallon at Murphy locations for the first 12 months after opening an account.

After the introductory period, fleets can earn up to 9¢ per gallon based on their monthly fuel purchases at Murphy stations. Discount levels also vary by plan tier. The Velocity and VIP plans receive automatic volume tier increases once in-network purchase thresholds are reached, and the VIP plan offers additional exclusive pricing options. See the plan comparison table below.

Murphy Fuel Card Discounts by Plan Tiers

Murphy Fuel Card Discounts for Non-Fuel Purchases

Murphy cardholders can also receive fuel discounts at partner locations and savings on fleet-related purchases such as tires, maintenance, and service. 

Murphy USA Fuel Card Fees

Murphy USA Fuel Card Controls and Reporting

Controls

• Limit purchases by product category: Choose the product categories you want to allow or block, such as fuel, maintenance, hardware, etc.
• Allow/Block merchants: Limit purchases to specific merchants, or block purchases at specific merchants.
• Card Unlock: Optional control to require drivers to use the AtoB app or text the AtoB number to unlock the fuel card before using it at the pump.
• Spend limits: Dollar amount a driver can purchase per transaction, day, or week.
• Day of week: Days when a card can be used.
• Time of day: Hours when a card can be used.
• Merchant proximity restriction (requires telematics integration): Declines a transaction if the vehicle is too far from the station.
• Fraud protection: Real-time fraud monitoring and alerts, chip in every card, SMS or App unlock before fueling.
• Fraud loss coverage: Fraud loss coverage for fuel purchases up to $250K per account per year.
  
  

Reporting

• Transaction reports: Download detailed transaction reports by time period and filter reports by card, driver, vehicle, or department.
• Fuel summary reports: Access summarized reports on suspicious transactions, optimal fueling opportunities, and driver and vehicle performance.
• IFTA report: Download a report of IFTA transactions, including gallons purchased by vehicle by jurisdiction.

Pros and Cons of the Murphy USA Fuel Card

Pros

• Discounts at Murphy USA, Murphy Express, and QuickChek
• Modern fuel card management portal

Cons

• Out-of-network transaction fees
  
  

Murphy USA Fuel Card Alternatives

If you want to compare the Murphy fuel card with other options, check out our guide to the best fleet fuel cards for businesses.

One strong alternative is the Voyager fuel card, which offers:

• Accepted at 97% of fuel stations
• No monthly card fees, account setup fees, late fees, or out-of-network fees
• Trustpilot rating: 4.8/5
• Free fraud loss coverage