It is very easy to get ahead of the 10c meagre discount they are providing. You can get a card that pays 5% cashback. Even at 4$/ gallon, you would earn twice your 10c discount. And I keep the credit card protections.
And for other retailers, I would totally not use ACH just for the protections that a credit card provides.
And for other retailers, I would totally not use ACH just for the protections that a credit card provides.