Plus: the best credit cards to use at Kum & Go for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Kum & Go uses MCC code 5541 (Service Stations ( with or without ancillary services)). The best credit card is the Hilton Honors Surpass, earning 6x rewards on this category.
Kum & Go transactions are processed under MCC 5541 (Service Stations ( with or without ancillary services), 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.
Kum & Go uses MCC code 5541, which is classified as "Service Stations ( with or without ancillary services)". This determines which credit card bonus categories apply to purchases at Kum & Go.
The best credit card at Kum & Go is the Hilton Honors Surpass, which earns 6x points/miles on purchases coded as MCC 5541 (Service Stations ( with or without ancillary services)).
Kum & Go uses MCC 5541 (Service Stations ( with or without ancillary services)). This means purchases at Kum & Go do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).