The Speedway Credit Card is a fuel card tied to Murphy USA gas stations
The Speedway credit card is a co-branded card issued by Synchrony Bank in partnership with Murphy USA, the company that owns Speedway gas stations. It works like a standard credit card but offers rewards and discounts when you buy fuel and convenience items at Speedway locations. The card is not limited to fuel purchases — you can use it anywhere Visa is accepted — but the rewards structure is built around Speedway spending.
If you already shop at Speedway regularly, this card might lower your per-gallon cost. If you don't, the rewards may not be worth carrying another card. The decision comes down to how much you spend at Speedway each month and whether the discount beats what you'd earn with a general-purpose cash-back card.
Key Takeaways
- The Speedway card offers a discount per gallon at Murphy USA locations, with the exact amount varying by promotion and card membership tier.
- You earn rewards on purchases at Speedway, but the rate is lower on non-fuel purchases and outside Speedway locations.
- There is no annual fee, but the card is issued by Synchrony Bank and requires a credit check to open.
- The card works only at Speedway and Murphy USA stations; it does not work at other gas station chains.
- Your rewards and discount rate depend on your credit tier, which Synchrony determines based on your credit score and history.
How the fuel discount and rewards work
The Speedway card gives you a per-gallon discount at the pump when you use it to pay. The discount amount changes based on promotions and your card tier. Synchrony assigns you a tier (typically Tier 1, 2, or 3) based on your credit profile at approval. Higher tiers generally receive better discounts and rewards rates, though the exact tiers and rates vary by promotion period.
Beyond the pump discount, you earn rewards points on purchases. Points earned at Speedway fuel pumps are worth more than points earned on in-store purchases or outside Speedway. When you redeem points, you can use them toward fuel discounts or merchandise at Speedway. The redemption value is typically 1 point per dollar spent, but the discount you receive per point varies.
Speedway also runs periodic promotions — for example, bonus points on certain purchase categories or elevated discounts during specific months. These are announced through the Speedway app and website, so checking before you fill up can tell you whether a promotion is active.
Annual fees and interest rates
The Speedway credit card has no annual fee. You pay nothing to hold the card, regardless of how much or how little you use it.
Interest rates on purchases and balance transfers are set by Synchrony and vary based on your creditworthiness. The card uses a variable APR, meaning the rate can change over time as the prime rate moves. You can find the current APR range in the card's terms and conditions, but your personal rate will fall somewhere in that range depending on your credit score at approval and any rate changes Synchrony makes later.
If you carry a balance, you will pay interest on it. The discount you earn at the pump does not offset interest charges, so paying your full balance each month is the only way to use the card without paying interest.
Where you can use the card
The Speedway card is a Visa card, so you can use it anywhere Visa is accepted — at grocery stores, restaurants, online retailers, and other merchants. However, the rewards structure is built around Speedway purchases. You earn the highest rewards rate on fuel at Speedway and Murphy USA stations. In-store purchases at Speedway earn a lower rate, and purchases outside Speedway earn an even lower rate or no rewards at all.
The fuel discount applies only at Speedway and Murphy USA locations. You cannot use it at Shell, Chevron, BP, or other gas station chains. If you travel to areas without a Speedway station, the card becomes a standard Visa card with no special benefits.
How to open the account and what you need
You can open a Speedway credit card account online through the Speedway website or Murphy USA website, or in person at a Speedway station. The process takes a few minutes and asks for your name, address, Social Security number, income, and employment information. Synchrony will run a hard credit inquiry, which temporarily lowers your credit score by a few points.
Approval is usually when ready or within a few minutes. If you are approved, you can use the card when ready in the Speedway app or at the pump using your phone number and PIN. A physical card arrives by mail within 7 to 10 business days. If you are denied, Synchrony will send you a notice explaining the reason, and you can reapply after addressing the issue (such as building credit or lowering existing debt).
Comparing the Speedway card to other fuel cards and cash-back cards
The Speedway card makes sense if you fill up at Speedway at least once a week and spend $50 or more per fill-up. At that volume, the per-gallon discount typically saves you $2 to $4 per month. Over a year, that's $24 to $48 — modest but real if you were not going to earn rewards elsewhere.
If you use a general-purpose cash-back card instead, you might earn 1% to 2% back on all purchases. On $200 per month in gas, that's $2 to $4 per month — similar to the Speedway discount. The advantage of a cash-back card is that you earn rewards everywhere, not just at Speedway. The advantage of the Speedway card is that the discount is automatic at the pump; you don't have to wait to redeem points.
If you rarely visit Speedway or prefer to shop at other gas stations, a general-purpose card or a card tied to a station you visit more often (such as Shell, Chevron, or your bank's co-branded card) will serve you better. The Speedway card is a specialist tool, not a replacement for a primary card.
Managing your account and avoiding common mistakes
Once your account is open, you can manage it through the Speedway app or Synchrony's online portal. You can view your balance, make payments, track rewards, and see current promotions. Payments are due on a set date each month; missing a payment triggers a late fee and can damage your credit score.
A common mistake is carrying a balance to earn the discount. The interest you pay on a balance will quickly exceed any fuel savings. Another mistake is opening the card and then not using it; Synchrony may close inactive accounts after several months, which can hurt your credit score. If you open the card, use it at least once every few months, even if it's a small purchase.
Keep track of your rewards balance and redemption important date. Some programs expire points after a certain period of inactivity, so check your account regularly to see what you have earned and when you can redeem it.
Frequently Asked Questions
Does the Speedway card work at Murphy USA stations?
Yes. Murphy USA owns Speedway, and the card works at both Speedway and Murphy USA branded locations. The discount and rewards rates are the same at both.
What happens to my rewards if I don't redeem them?
Rewards typically do not expire as long as your account remains open and active. However, Synchrony may close accounts that show no activity for several months, which would forfeit any unredeemed points. Check your account terms for the specific expiration policy.
Can I use the Speedway card to pay for a car wash or convenience store items?
Yes, you can use the card anywhere inside the Speedway store and at the car wash if available. In-store and car wash purchases earn a lower rewards rate than fuel purchases, typically around 1 point per dollar or less, depending on your tier.
What credit score do I need to open the account?
Synchrony does not publish a minimum credit score, but the card is generally easier to open than premium travel or cash-back cards. People with fair credit (typically 580 to 669) often receive approval, though they may be assigned a lower tier with a smaller discount. Those with poor credit may be denied.
Does the card report to the credit bureaus?
Yes. Synchrony reports your account activity and payment history to Equifax, Experian, and TransUnion. On-time payments help build your credit score; late payments or high balances can lower it.