A more accessible, fee-light, small‑business–friendly fuel card program designed to deliver fair access, stronger controls, and better customer experiences.
EL DORADO, AR (December 10, 2025) — Murphy USA (NYSE: MUSA) announced a new partnership with AtoB, a modern commercial fuel payments and technology platform, to launch the Murphy USA and QuickChek Business Fuel Cards.
The new fuel card is designed for business and brings maximum savings at 20¢ off per gallon for twelve months*. Beyond a full year of significant savings, the new fuel card offers advanced reporting and fraud protection, and unparalleled customer service for businesses fueled by Murphy USA and QuickChek. The new cards give businesses of all sizes more purchasing power and clearer savings. Across Murphy USA’s 1,700+ locations, including QuickChek stores, customers will gain real‑time spend controls, digital onboarding, enhanced fraud protection, and transparent pricing.
“Qualifying for a fuel card with meaningful benefits shouldn’t have barriers. 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,” said Keith Emery, Murphy USA vice president of retail fuels. “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.”
Purpose‑built to better serve small and growing businesses, the program combines Murphy USA’s everyday low prices with AtoB’s accessible underwriting, modern controls, and high‑touch customer service.
A customer‑first approach
Many Murphy USA fleet customers are small businesses that told us they often didn’t qualify for traditional fleet card programs. So, Murphy USA evaluated the real‑world experience of businesses seeking fuel cards and identified a key barrier: traditional underwriting was excluding too many qualified businesses who deserve a chance to net real savings with fuel card controls.
Through this new partnership, businesses will experience a wider credit aperture with criteria that recognize the realities of early‑stage businesses; thin files, newer EINs (employee I.D. numbers), and variable seasonal cash flow without compromising spend controls. The result will be more approvals, more activated accounts, and a better first experience for small-to-medium size business owners.
While many entry-level fuel cards burden small operators with monthly fees, statement fees, late fees, or inactivity fees, which can outweigh fuel savings, our product line is intentionally fee-light, allowing businesses to immediately feel the value through simple cents‑off savings, fast onboarding, and intuitive controls. This structure also reduces service issues stemming from unexpected charges.
A program that grows with the customer
Instead of a binary approve/deny process, we now offer:
- 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 right‑sized risk management.
This model ensures more customers can start today and scale their gallons over time, creating higher long‑term value for both customers and Murphy USA.
Murphy USA’s partnership with AtoB delivers a platform designed around accessibility and exceptional customer service. The partnership increases transparency, expands financial access, and offers controls that reflect what Murphy USA and QuickChek stand for: fairness, simplicity, and everyday value.
Program Benefits
The Murphy USA & QuickChek Business Fuel Cards provide:
- Meaningful savings on Murphy USA and QuickChek fuel purchases
- 24/7 customer support and a modern, intuitive web and mobile dashboard
- Real‑time card controls including driver limits, vehicle limits, and category restrictions
- Instant fraud alerts, detailed reporting, and stronger protection at the pump
- Fast, digital onboarding designed for ease and security
“AtoB is thrilled to partner with Murphy USA and QuickChek,” said AtoB CEO & Founder, Vignan Velivela. “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.”
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, other restrictions may apply)**. Current Murphy USA and QuickChek Business cardholders are urged to reapply to begin receiving enhanced discounts and benefits.
To learn more or register interest, visit www.murphyusa.com/business or www.quickchek.com/business, or email [email protected] or [email protected].
*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.
**New business accounts only; upon approval and Rewards enrollment, eligible cardholders receive a one-time 1,000 QC Rewards bonus (fuel excluded).
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About Murphy USA
Murphy USA (NYSE: MUSA) (headquartered in El Dorado, AR) and QuickChek (headquartered in Whitehouse Station, NJ) have small-town roots with a significant impact. With over 1,700 stores across 27 states, we are committed to providing our communities with excellent service and improving the quality of life where we live and work by giving back.
As one of the largest national gasoline and convenience retailers, Murphy USA serves an estimated 1.7 million customers daily and ranks 214 on the Fortune 500. Recognized as a top employer in New York and New Jersey, QuickChek serves as the preferred one-stop shop for legendary made-to-order subs, guaranteed fresh coffee, and friendly service. We are Murphy USA and QuickChek!
About AtoB
AtoB (headquartered in San Francisco, CA) powers the modern fleet economy, helping businesses save on fuel, streamline expenses, and build credit. AtoB serves every type of fleet, from local service operators to nationwide OTR carriers, with a unified platform that simplifies and protects business spending.
AtoB’s Fuel Card product gives drivers and fleet owners access to exclusive discounts, best-in-class security features, and 24/7 support. From fuel and repairs to tolls and parts, AtoB brings all business spending into one place. AtoB also provides real-time controls, spend alerts, and seamless integrations with leading fleet management and telematics systems. With one secure card for all business expenses, fleets can reduce administrative burden, track employee spending with precision, and keep operations running efficiently.
AtoB also reports to business credit bureaus, helping businesses build credit and unlock new growth opportunities over time. Whether a business operates a few local service vans or a nationwide OTR fleet, AtoB enables it to spend smarter, go further, and grow stronger.
