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Murphy USA Fleet Card Review

Murphy USA Fleet Card Review

Murphy USA operates 1,200 locations in 23 states, and provides consumer and commercial fuel cards to its customers nationwide. Murphy USA provides options suited to smaller, or localized, businesses and fleets, as well as a Universal card suitable for regional and nationwide companies. The good news is that the smaller-scale Private Label card provides many of the features to smaller businesses that their owners might usually assume were the province of big business.

Murphy USA Fuel Cards

Murphy USA offers two fuel cards to commercial and fleet customers.

Murphy USA Private Label Card: On one hand, the Murphy USA Private Label Card doesn't offer very high rebates. It isn't until you reach 10,000 gallons that you'd see a savings of four cents per gallon at the pump. On the other hand, you only have to purchase between one and 999 gallons to qualify for one cent per gallon, which is setting the bar pretty low. With security features, purchase controls, reporting features, and the ability to use the card at any Murphy USA or Murphy Express location, this is a good choice for smaller businesses, small fleets, and local operations.

Murphy USA Private Label Card Review
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The Murphy USA Universal Card is offered through WEX, and is accepted at tens of thousands of filling stations (plus more than 40,000 service centers) coast to coast. While the cost savings isn't quite as generous (a savings of one cent per gallon from one to 4,999 gallons, two cents from 5,000 to 9,999 gallons, and three cents per gallon starting at ten thousand gallons), this gives a great deal of flexibility to fleet operators. In addition to the same features offered by the Private Label card (and the added coverage), the Universal Card also integrates seamlessly with WEX Telematics, potentially making it part of a larger fleet management ecosystem.

Murphy USA Universal Card Review
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Finding a Murphy USA Station

Murphy operates in 23 of the lower 48 states. Murphy has no stations from Maine to West Virginia, and none in Wisconsin. However, once you get south of Maryland, you'll find Murphy stations from Virginia to Florida in the East, and from Minnesota to Louisiana in the Midwest. The rest of the country west of the I-29/I-49 corridor -- with the exception of Texas, Oklahoma, Kansas, Colorado and New Mexico -- has no coverage as of this writing.

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The Murphy USA app is available for free, and is supported on both iOS and Android devices. Its main screen shows a map with nearby stations, while a station information screen shows prices for gas and diesel, individual locations' phone numbers, hours and directions, and a price comparison with other nearby filling stations. Users have noted that station information is occasionally missing or incomplete, and the app is crash-prone on certain devices. Businesses using the WEX-issued Universal card can use the WEX application in place of the Murphy USA app with better results.

Pros and Cons

Pros:

  • Private Label card significantly lowers the barrier of entry for smaller businesses
  • Excellent features and support for both cards offered
  • Lower minimum purchase to see savings at the pump

Cons:

  • Relatively miserly discount structure, even for large-volume consumers
  • Frustrating and crash-prone fuel finder application

Conclusion

We have some reservations about the Murphy USA Private Label fuel card. Large portions of the country -- especially the densely-populated Northeast -- have no coverage through the Private Label card, the company's proprietary fuel finder application needs work, and the savings offered at the pump are downright stingy. At the same time, there's a lot to like. If you're in an area where Murphy operates, coverage is adequate.

Customers opting for the WEX-issued Universal Card are covered throughout the country, and have access to the plethora of bells and whistles offered by WEX. A bit of thinking about your business, both in the here and now and your future plans, should make it easy to decide which of the cards will work best for your business and your goals.