I use the Murphy gas all the time. Around here you can use the Wal Mart gift card for the 3 cents off. Cash price is usually pretty close to competitors. Put a couple hundred on the gift card and can get maybe 50 gals of gas and diesel. That saves us about $1. 50 for our $200 gift card in a matter of days. That same $200 in checking = 2 cents, savings = 12 cents. My wife and I go to Wal Mart all the time so to get the gift card takes a half minute longer and I can by a couple of extra candy bars with the savings.