Murphy USA is partnering with AtoB, a fuel payments and technology platform based in San Francisco, to launch business fuel cards created specifically for companies and commercial operators.
The new cards give businesses of all sizes more purchasing power and clearer savings, according to El Dorado, Arkansas-based Murphy USA, which owns QuickChek convenience stores.
The new fuel card provides maximum savings of 20 cents per gallon for 12 months. After the first year, cardholders are eligible to receive a discount of up to 9 cents per gallon depending on the fuel amount.
QuickChek cardholders who enroll in QuickChek Rewards will receive 1,000 bonus points and 10% off in‑store on select merchandise (excluding spirits, tobacco, lottery and gift cards).
Across the chain’s more than 1,700 locations, customers will gain real‑time spend controls, digital onboarding, enhanced fraud protection, customer service and transparent pricing.
- Murphy USA is No. 4 on CSP’s 2025 Top 202 ranking of U.S. convenience-store chains by store count.
“Qualifying for a fuel card with meaningful benefits shouldn’t have barriers,” said Keith Emery, vice president of retail fuels at Murphy USA. “Too many businesses, particularly local operators, have been boxed out of traditional fuel cards. Our partnership with AtoB fixes that. We’ve built a business card that grows with you—easy to start, strong on controls and clear on savings. Our new business card program has been upgraded with modern technology, and its affordability opens the door for every business, especially the local ones, which are the heart of the communities Murphy USA and QuickChek serves every day.”
Why the c-store chain is expanding its fleet card program
Many of Murphy’s fleet customers are small businesses that said they often didn’t qualify for traditional fleet card programs, Murphy said. Murphy USA identified that traditional underwriting was excluding too many qualified businesses who deserve a chance to net real savings with fuel card controls, Murphy said.
Through this new partnership, businesses will experience a wider credit aperture with criteria that recognize the realities of early‑stage businesses, such as thin files, newer EINs (employee I.D. numbers) and variable seasonal cash flow without compromising spend controls, Murphy said.
The program grows with the customer
Instead of binary approval and denial processes, Murphy now offers:
- Prepaid and hybrid products that allow new businesses to start fueling immediately
- A pathway to build credit and transition to full credit lines as the business matures
- Real‑time controls, instant fraud alerts and risk management
This model ensures more customers can scale their gallons over time, creating higher long‑term value for both customers and Murphy USA. the company said.
“AtoB is thrilled to partner with Murphy USA and QuickChek,” said Vignan Velivela, AtoB CEO and founder. “Local businesses keep our communities running, and they deserve the same tools and technologies as the big players. Together, we’re making that possible, delivering fair access, smarter fuel management and a seamless experience at the pump.”
Murphy USA operates New Jersey-based QuickChek and other c-store chains in 27 states, located primarily in the Southwest, Southeast, Midwest and Northeast. It acquired QuickChek in January 2021.
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