Is the Murphy Gas card application a bad idea?

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Is the Murphy Gas card application a bad idea?

Postby porto » Wed May 01, 2013 1:25 pm

My wife and I usually fill up at Murphy gas stations (part of Walmart). I hate cards that you can only use at one place but recently they came out with a Visa version you can use everywhere.

If I get it, the Murphy Visa card will give me-
4 cents off at any Murphy USA or Murphy Express location*
4 percent cash back is pretty generous. I didn't see anything about there being a limit to how much you can earn either.

Everything else is a flat 1 percent which I guess is average for a credit card.

What do you think, should I try an application for the Murphy gas card? We have pretty good credit. The only thing I can think of is if it's a bad one to be seen on my credit report.

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Postby DavidNY » Wed May 01, 2013 1:55 pm

4 percent is not 4 cents/gal

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Postby Z06Biker » Wed May 01, 2013 2:45 pm

If you want 4% cashback, look into the Amex Business True Earnings (Costco) card. 4% cashback on all stand-alone gas stations (and 2% cashback on travel/dining). The Penfed Platinum Rewards Visa gives 5 points per $1 on gas, though I can't speak from experience how much each "point" is worth.
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Postby porto » Wed May 01, 2013 5:27 pm

Thanks for the replies guys. You're right, I guess I misread it. That's surprising that the Murphy gas card offers only 4 cents per gallon. That is only about 1 percent extra, no thank you.

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Postby nvtech » Wed May 01, 2013 11:09 pm

4 Cents/gallon..what a waste..This is my opinion.

I personally use Penfed Visa.
5 x points on each dollar..and I value each point as a cent.

Now..A gallon of Gas $3.50 (national avg)...

For Murphy ..You end up paying 4c less..which is $3.45/gallon.

With Penfed..I end up getting $3.50 * 5 points = 17 points..which is like 17 c..
I would technically end up paying $3.33

If it was costco Business..its 4%...

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Postby HookEmHorns » Thu May 02, 2013 11:13 pm

Where you at in the southwest? At H.E.B I buy a gift card and that gives me 12 cents off per gallon..
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