Josephine M. "Jo" Culbertson née Murphy (1898 - March 23, 1956) was an American bridge player, teacher, theorist and writer.
Josephine Murphy was born in Bayside, New York (now in Queens). She worked as secretary to the auction bridge authority Wilbur C. Whitehead in the early 1920s and married Ely Culbertson in 1923 (divorced 1938). The Culbertsons developed and taught the Approach-Forcing system of bidding at auction and later at contract bridge, and founded The Bridge World magazine in 1929.
Some time later her name was Josephine Murphy Dillon.
Culbertson was inducted into the ACBL Hall of Fame in 1996.