Cumberland Farms offers 10 cents off per gallon of gas with their "Smartpay" card.

It appears to me to function as a debit card. Thus I assume that applying will not result in a "hard" credit pull, appear on record to Chase and others as a credit card application, or in any way potentially hinder one's ability to be accepted for credit card offers in the future.

In other words, there is no down side.

Is this a reasonable assumption?