Plus: the best credit cards to use at Phillips 66 for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Phillips 66 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.
Phillips 66 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.
Phillips 66 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 Phillips 66.
The best credit card at Phillips 66 is the Hilton Honors Surpass, which earns 6x points/miles on purchases coded as MCC 5541 (Service Stations ( with or without ancillary services)).
Phillips 66 uses MCC 5541 (Service Stations ( with or without ancillary services)). This means purchases at Phillips 66 do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).