Plus: the best credit cards to use at BJ's Gas for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
BJ's Gas uses MCC code 5542 (Automated Fuel Dispensers). The best credit card is the Hilton Honors Surpass, earning 6x rewards on this category.
BJ's Gas transactions are processed under MCC 5542 (Automated Fuel Dispensers, category: retail). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Hilton Honors Surpass | 6x | $95/yr | American Express | Apply Now |
| Hilton Honors Business | 6x | $175/yr | American Express | Apply Now |
| Hilton Honors | 5x | No annual fee | American Express | Apply Now |
| Custom Cash | 5x | No annual fee | Citi | Apply Now |
| Ink Business Cash | 5x | No annual fee | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
BJ's Gas uses MCC code 5542, which is classified as "Automated Fuel Dispensers". This determines which credit card bonus categories apply to purchases at BJ's Gas.
The best credit card at BJ's Gas is the Hilton Honors Surpass, which earns 6x points/miles on purchases coded as MCC 5542 (Automated Fuel Dispensers).
BJ's Gas uses MCC 5542 (Automated Fuel Dispensers). This means purchases at BJ's Gas do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).