Speedy Rewards Mastercard | Review & Points Calculator

Speedy Rewards Mastercard

Card Review & Speedy Points Calculator
50x Speedway
10x Everything Else

Review the benefits of the Speedway Speedy Rewards Mastercard, calculate how many Speedy Points you can earn based on spend, and compare against top cards.


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The Speedway Speedy Rewards Mastercard is a great option for those looking to build up their Speedy Points. It offers a good amount of points for fuel and merchandise purchases at Speedway Gas Stations that can be used for free or discounted gas, food/beverage, merchandise, and much more.

Bonus Categories

The Speedy Rewards Mastercard has one bonus category which is purchases made at Speedway Gas Stations. There is no limit to the amount of bonus points you can earn spending at Speedway and no limit to the amount of points you can earn with the Speedy Mastercard in general.

50x Speedway

When you use the Speedy Rewards Mastercard to make purchases at Speedway you'll earn 50 Speedy Points per $1 spent. Qualifying purchases include fuel and in-store purchases made at Speedway. A single Speedy Point is worth around 0.11 cents on average meaning this is equal to about a 5.5% return per $1 spent which is pretty nice for a card with no annual fee.

10x Non-Category

The Speedy Rewards Mastercard earns 10 Speedy Points per $1 spent on all non-Speedway purchases. This is a very low return that worth around 1.1% on average. While this card earns a great return at Speedway, it does not earn a great return when used everywhere else. I highly recommend using another rewards card for all non-Speedway purchases such as a 2% cash back card.

Perks and Benefits

The Speedy Rewards Mastercard does not offer any Speedway specific benefits. You'll receive the basic Mastercard benefits which includes FICO score and fraud protection.

Sign Up Bonus

The standard sign up bonus for the Speedy Rewards Mastercard is 25,000 Speedy Points after spending at least $500 within the first 3 billing cycles. This is worth $50 - $80 depending on how you use it. You can also get even more value with the fuel discount option if you have a big tank.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Speedy Rewards Mastercard has no annual fee which means you will always earn a positive return on your spend.

Authorized User Fee

The Speedy Rewards Mastercard does not have an authorized user fee. If you have family or friends that spend heavy at Speedway, adding them would help build points a lot faster.

Foreign Transaction Fee

The Speedy Rewards Mastercard has a 3% foreign transaction fee which makes this card a bad option for internationally travel and purchases. Speedway gas stations are located in the United States and the card only earns a great return on Speedway purchases. This is not the card to use for non-Speedway purchases.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2020-01-28
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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