Murphy USA
For Murphy USA, Wyndham Rewards Earner® Business leads the current Madeen snapshot at about 7.2% in the gas category. Compare the ranked table below, then read the coding caveats before checkout. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Which cards rank best for Murphy USA?
| Card | Issuer | Effective rate | Annual fee |
|---|---|---|---|
| Wyndham Rewards Earner® Business | Barclays | 7.2% | $95 |
| Wyndham Rewards Earner® Plus | Barclays | 5.4% | $75 |
| Abound Visa® Platinum | Abound Credit Union | 5% | $0 |
| AAA Travel Advantage Visa Signature® | Comenity | 5% | $0 |
| Credit One Bank® Platinum X5 Visa Signature | Credit One | 5% | $95 |
| U.S. Bank Altitude® Connect Visa Signature® | U.S. Bank | 4% | $0 |
| U.S. Bank Business Altitude™ Connect Visa Signature® | U.S. Bank | 4% | $95 |
| Business Gold | American Express | 2.4% | $375 |
| Discover it® Cash Back | Discover | 1% | $0 |
| NHL® Discover It® | Discover | 1% | $0 |
What is the best card for Murphy USA?
Murphy USA is usually best judged by the category it posts under rather than the store name alone. Madeen shows the spend-category-specific winners and the broader category guide in one place. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Which cards rank best for Murphy USA?
Wyndham Rewards Earner® Business leads the current snapshot for Murphy USA at about 7.2%. The table below orders the top matches by category-specific effective rate and popularity. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What coding caveats matter for Murphy USA?
Gas coding can differ between pumps, convenience stores, warehouse-club fuel stations, and EV-adjacent merchants. Confirm the exact posting category before assuming the gasoline multiplier applies. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the safest fallback card?
When the merchant code is uncertain, a broad flat-rate or backup category card can be safer than chasing a narrow bonus that may not post the way you expect. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Where this merchant page points next
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Frequently asked questions
What is the best credit card for Murphy USA?
Wyndham Rewards Earner® Business leads at about 7.2% for Murphy USA. The ranked table below compares category-specific effective rates for Murphy USA; issuer terms still control caps, exclusions, and eligibility. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does Murphy USA merchant coding affect rewards?
Gas coding can differ between pumps, convenience stores, warehouse-club fuel stations, and EV-adjacent merchants. Confirm the exact posting category before assuming the gasoline multiplier applies. At Murphy USA, the posted merchant code matters more than the store name on your receipt.
Should I trust the store name or the merchant code?
Trust the merchant code and issuer terms first. The store name is a clue, but the posted code is what usually decides which category bonus applies at Murphy USA. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Can I use the broader category guide instead of this Murphy USA page?
Yes. The gas category guide is the safer fallback when you want the general rule, while this page narrows the answer to cards most likely to win at Murphy USA. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Madeen analysis. Data from catalog snapshot 2026-06-09. Last reviewed 2026-06-09. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.