--- title: Murphy USA Fuel Card for Florida ACCPA description: Murphy USA Fuel Card for Florida ACCPA --- ![florida-accpa](https://go.atob.com/hubfs/atob_2026/landing-page/murphy-usa-fuel-card/florida-accpa.svg) [Get started](https://go.atob.com/musa-florida-accpa#form) ![hero-card](https://go.atob.com/hubfs/atob_2026/landing-page/murphy-usa-fuel-card/banner-card.svg) # Save 20¢ on every gallon for the **first year\*** with the Murphy USA Business Card, exclusively for Florida ACCPA members #### Apply in 5 minutes Sign up for texts for offers and updates By submitting this form, you agree to our [Platform Agreement](https://staic-files-hosting.s3.us-west-1.amazonaws.com/AtoB+Platform+Agreement+Latest.pdf), [Privacy Policy](https://www.atob.com/privacy-policy), and to receive recurring automated promotional and personalized marketing text messages (e.g., cart reminders) from AtoB at the cell number used when signing up. Consent is not a condition of any purchase. Reply HELP for help and STOP to cancel. Msg frequency varies. Msg & data rates may apply. View text message Terms & Privacy. ![AtoB](https://go.atob.com/hs-fs/hubfs/spinner.gif?width=100&height=100&name=spinner.gif) ## Why a Florida ACCPA Membership + Murphy USA Business Fuel Card is so valuable: ![maximum-savings](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/maximum-savings.svg) ### Maximum savings - Save 20¢/gal for your first 12 months\* - Competitive fuel pricing at 1,800+ Murphy USA and Murphy Express locations - Murphy Drive Rewards members earn extra points and savings in-store ![applicants-approved](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/applicants-approved.svg) ### Approval guaranteed\*\* - Designed for businesses of any size - small, large, government, or trucking - Fast approval with flexible credit options - Free credit building to help strengthen your business profile ![applicants-approved](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/applicants-approved.svg) ### Smart reporting & security - Real-time alerts, PIN-secured transactions, & location-based controls - Fraud prevention measures can save 21¢/gal on average\*\*\* - Customizable reporting and tracking ![customer-care](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/customer-care.svg) ### 24/7 customer care - Dedicated customer service is available to help 24/7 - Connect with a live representative in less than 1 minute - Chat instantly through the app ![gallery1](https://go.atob.com/hs-fs/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/gallery1.jpg?width=1200&height=1123&name=gallery1.jpg) ![gallery2](https://go.atob.com/hs-fs/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/gallery2.jpg?width=1200&height=1123&name=gallery2.jpg) ![gallery3](https://go.atob.com/hs-fs/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/gallery3.jpg?width=1200&height=1123&name=gallery3.jpg) ### The Florida ACCPA Advantage The more Florida ACCPA members who join, the more everyone saves. Your discount doesn't stop after year one. As collective Florida ACCPA member gallon volume grows, your organization unlocks higher ongoing discounts, every member who signs up makes the benefit stronger for the entire network. - Year 1: 20¢/gal introductory savings - After 12 months: discount adjusts to 9¢/gal based on usage tier - The more total gallons Florida ACCPA members pump collectively, the higher the tier, and the better the rate for everyone ![advantage-card](https://go.atob.com/hubfs/atob_2026/landing-page/murphy-usa-fuel-card/advantage-card.svg) ![stack-and-save](https://go.atob.com/hubfs/atob_2026/landing-page/arkansas/stack-and-save.png) ## Stack & Save Two ways to save, one for your business, one for your drivers. The Business Benefit Save 10¢/gal every day with Walmart+. Lock in everyday fuel savings across every transaction, every driver, every fill-up. Consistent savings built into your card. The Driver Benefit **Save up to $1.00/gal with Murphy Drive Rewards.** Drivers earn points on fuel, snacks, and in-store purchases and can redeem them for up to $1.00 off per gallon at the pump. The more they fill up, the more they earn. ## Save your business thousands of dollars per year with the right business card Included in every plan - Everyday low prices (~10¢/gal)\*\*\*\* - 20¢/gal off for your first 12 months\* - No setup or application fees - Earn extra discounts the more you fuel at Murphy USA - Build better credit with free reporting to Experian ![plan-card](https://go.atob.com/hubfs/atob_2026/landing-page/murphy-usa-fuel-card/plan-card.svg) #### Value For businesses focused on simple, steady savings - No setup or application fees - Earn extra discounts the more you fuel at Murphy USA ![plan-card](https://go.atob.com/hubfs/atob_2026/landing-page/murphy-usa-fuel-card/plan-card.svg) #### Velocity For businesses with up to 10 vehicles, focused on more perks - Automatic Tier Boost after 95% in-network fueling - Out-of-network fees waived after 70% in-network fueling - Free AirVac at Murphy USA locations\*\*\*\*\* ![plan-card](https://go.atob.com/hubfs/atob_2026/landing-page/murphy-usa-fuel-card/plan-card.svg) #### VIP For businesses with 10+ vehicles maximizing value on every gallon - Everything in Value & Velocity - Automatic Tier Boost after 90% in-network fueling - Premium fraud prevention (save up to 21¢/gal)\*\*\* - Get exclusive pricing as your business fuels more [Get started](https://go.atob.com/musa-florida-accpa#form) ## Save 20¢/gal for 12 months\* \*\*\*\*After your first year, save up to 9¢/gal **Enjoy exclusive discounts** at over 1,800 Murphy USA and QuickChek locations and universal MasterCard acceptance nationwide. ![enjoy-exclusive-discounts](https://go.atob.com/hs-fs/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/enjoy-exclusive-discounts.webp?width=1920&height=1173&name=enjoy-exclusive-discounts.webp) [Get started](https://go.atob.com/musa-florida-accpa#form) ## Advanced Technology, Total Control Track every dollar with the Murphy USA Business Card ecosystem. Set spending limits, monitor expenses in real time, and integrate telematics, all from a simple, mobile dashboard. ![spending-insights](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/spending-insights.png) ### Spending Insights - Detailed transaction tracking - Customizable spending controls - Real-time reporting and alerts ![fraud-prevention](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/fraud-prevention.png) ### Fraud Prevention - Prevent fraud with card unlock - Block unauthorized transactions with location-based tracking - Average savings of 21¢/gal by using advanced controls, like whitelisting and blacklisting merchants\*\*\* ![convenience-at-your-fingertips](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/convenience-at-your-fingertips.png) ### Convenience at Your Fingertips - Mobile app for drivers - Easy fuel station locator - IFTA reporting capabilities ## Enjoy savings on more than just fuel with our partners ![discount-tire](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/discount-tire.svg) #### 5% cash-back - Tires, wheels, and service ![nubrakes](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/nubrakes.svg) #### 10% cash-back - On-demand mobile maintenance ![fleet-wash](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/fleet-wash.svg) #### 5% cash-back - Mobile truck washing ![pep-boys-fleet](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/pep-boys-fleet.svg) #### National account pricing - Vehicle maintenance and repair ![adgile](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/adgile.svg) #### Discounted truck ad-wrapping - Truck ad wrapping ![bestpass](https://go.atob.com/hubfs/atob_2025/partners-landing-page/murphy/bestpass.svg) #### 1 month free toll management - 1 month free toll management ## Frequently Asked Questions ![Rectangle 1489](https://go.atob.com/hs-fs/hubfs/Rectangle%201489.png?width=698&height=611&name=Rectangle%201489.png) #### What makes Murphy USA Business Card different from my regular business credit card or other offerings? The Murphy USA Business Card is built specifically for business operators, offering savings and controls that traditional business cards don’t. It’s accepted anywhere Mastercard is, with savings at more than 1,700 Murphy USA, Murphy Express, and QuickChek stations. Every cardholder saves 20¢ per gallon for the first 12 months, then up to 9¢ per gallon after that, based on monthly fuel volume.\* There are no setup or application fees, and busineses can earn more rewards as they fuel more. Premium benefits include free AirVac at Murphy USA locations and discounts with partners like Pep Boys, Nubrakes, Businesswash, and Discount Tire. The card also offers advanced fraud protection that can help save up to 21¢ per gallon by preventing unauthorized transactions.\*\*\* #### How much can I save on fuel with the Murphy USA Business Card? You’ll save 20¢ off per gallon for the first 12 months\* at Murphy USA, Murphy Express, and QuickChek. After that, you’ll continue saving up to 9¢ per gallon based on your monthly fueling. Plus, you’ll benefit from everyday low prices that average about 10¢ per gallon off. #### Where can I use the Murphy USA Business Card? The Murphy USA Business Card can be used anywhere Mastercard is accepted for both fuel and business expenses. #### What is the purpose of a Business Card? A business card can help companies save more on fuel, manage vehicle expenses more effectively, and build better business credit. With exclusive discounts, built-in fraud protection, and powerful management tools, it’s a simple way to reduce costs and keep your business running efficiently. #### Are there out-of-network Fees? Yes. Murphy USA Business Cardholders have wide in-network access across Murphy USA, Murphy Express, and QuickChek locations. For fueling outside this network, Velocity tier cardholders are charged $1.50 per transaction, and VIP tier cardholders are charged 99¢ per transaction. The Value tier has zero out-of-network fees. #### What happens to the discount after the first 12 months? After the first 12 months, your account transitions to ongoing savings of up to 9¢ per gallon, based on your monthly fuel volume.\* You’ll continue to enjoy everyday low prices, partner rewards, and fraud protection tools that help reduce business costs over time. #### Should I sign up for the Value, Velocity or VIP? Each tier is designed to fit different business needs. All tiers include 20¢ off per gallon for the first 12 months\*, no setup fees, and advanced management tools for complete control over business spending. **The Value tier**, at $0 per card per month, offers steady savings with no monthly fee, ideal for smaller businesses. **The Velocity tier**, at $2 per card per month, is best for businesses with up to 10 vehicles and includes perks like free AirVac at Murphy USA locations and an out-of-network fee of $1.50 per transaction. **The VIP tier**, at $6 per card per month, is designed for larger businesses and includes premium fraud protection, exclusive pricing, and a reduced out-of-network fee of 99¢ per transaction. ## Let’s get you up and running with 20¢/gal discounts\* on the Murphy USA Business Card [Get started](https://go.atob.com/musa-florida-accpa#form) \*Murphy USA Business Fuel Cardholders save 20¢/gallon for the first 12 months. After the initial 12-month period, you're eligible to receive a discount of up to 9¢ per gallon depending on how much you fuel at Murphy locations. Void where prohibited by law. \*\*Approval for a Murphy USA Business Fuel Card is guaranteed only upon successful completion of required identity, Know Your Customer (“KYC”), and credit verification processes. AtoB and its financial partners reserve the right to deny, suspend, or revoke access to the Services at their sole discretion if the applicant fails to meet eligibility, creditworthiness, or compliance standards. The Card may only be used for lawful business purposes in accordance with all applicable laws, regulations, and the terms of the AtoB Platform Agreement. Misuse of the Card or failure to maintain accounts in good standing may result in suspension or termination of Services. “Approval guaranteed” means that all qualifying business applicants who pass KYC, credit verification, and compliance checks will be approved for a Murphy USA Business Fuel Card. \*\*\*The 21¢ cost per gallon savings with Murphy USA’s fraud prevention features is substantiated by the customer savings recorded in AtoB’s real-time reporting from Q4 2024. Our latest data shows that on average customers are saving 21¢ from card security features: 10¢ per gallon with spend restrictions + 6¢ from card unlock security, and an additional 5¢ from telematics. \*\*\*\*Murphy USA’s everyday low price savings are based on comparing the 12-month average prices at Murphy USA to the average price of local competitors within a 20-mile radius from January 2024 to December 2024. \*\*\*\*\*Customer will receive a statement credit reimbursing eligible AirVac purchases made with the Murphy USA Business Fuel Card at Murphy USA locations only. To qualify, the card must have a qualifying fuel purchase at a Murphy USA location, and the AirVac transaction must occur within 30 minutes of that fueling event. Limit one reimbursement per card per month. Participating locations only. Void where prohibited by law. \*\*\*\*\*\*Savings estimates are for illustration only and may vary based on usage, fuel prices, and discount eligibility. Actual savings depend on your fueling habits and the current Murphy USA Business Card program terms and prices at time of purchase. ## Let's get you on the road. ![facebook](https://go.atob.com/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/facebook.svg) ![instagram](https://go.atob.com/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/instagram.svg) ![linkedin](https://go.atob.com/hubfs/atob_2026/landing-page/musa-x-fadsa-landing-page/linkedin.svg) The Murphy USA Business card is issued by Celtic Bank pursuant to a license from Mastercard International. The specific issuing bank for your card will be identified on the back of your card and in your account agreement. The Murphy USA Business Card is subject to approval. See full terms and conditions [here](https://cdn.prod.website-files.com/62c496dceca674e60a6d1ecd/69dd29605b6d1df354f40136_AtoB%20Platform%20Agreement.pdf). The Florida ACCPA is a Florida not-for-profit organization and is not the issuer of the Murphy USA Business Card and does not provide financial, credit, or fuel services. This program is offered through Murphy USA and its financial partners. Florida ACCPA’s role is limited to facilitating access to potential member benefits. All terms, approvals, pricing, and services are determined solely by Murphy USA and its issuing partners. Florida ACCPA does not endorse, recommend, or warrant any specific products, services, or outcomes associated with this program and does not guarantee savings, approval, or performance. Florida ACCPA shall not be responsible or liable for any disputes, claims, losses, or damages arising from participation in this program or use of the Murphy USA Business Card. Eligibility for Florida ACCPA-related benefits is strictly limited to active members of the Florida Air Conditioning Contractors Professional Alliance. All applicants must maintain an active Florida ACCPA membership at all times to participate in this program. Florida ACCPA will verify membership status with Murphy USA and its partners and will conduct periodic reviews to confirm continued eligibility. If a member’s Florida ACCPA membership expires or becomes inactive, program benefits will be terminated immediately, and continued participation is not permitted. Florida ACCPA reserves the right to modify, suspend, or discontinue its participation in this program at any time. Florida ACCPA does not collect, store, or control applicant data submitted through this program and is not responsible for the data practices of Murphy USA or its partners. The program benefits offered through Florida ACCPA are intended to be exclusive to Florida ACCPA members and not generally available to the public.