Speedy Rewards® Mastercard®

For drivers who visit Speedway every week for fuel, snacks, or coffee, this card is a straightforward tool for accumulating store rewards faster. Earning 50 points per dollar at Speedway locations translates to roughly a 5% return when redeemed for store rewards, fuel savings, or gift cards, which is competitive for a zero-annual-fee store card.

Outside of Speedway, the card offers 10 points per dollar, which equals roughly a 1% return. Because those points are tied to the Speedy Rewards program rather than cash back, most consumers would be better off pairing this card with a standard flat-rate cash-back card for their general spending.