MCC 5541: Service Stations ( with or without ancillary services) — Credit Card Bonus Rates
MCC 5541 covers SERVICE STATIONS ( WITH OR WITHOUT ANCILLARY SERVICES) merchants, classified under retail. The top card is Ink Business Cash earning 5X. 46 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5541 Merchants
Shell, BP, and Chevron are examples of businesses using MCC 5541. This code covers fuel purchases as well as convenience store items at gas stations.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5541 (service stations ( with or without ancillary services)). Your card issuer uses this code to determine whether retail category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 5541 vs Similar Codes
Cardholders often think fast food items from service station convenience stores get coded under restaurants. They actually fall under the service station category.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
46 Cards That Earn Bonus on MCC 5541
Annual Rewards at MCC 5541 Merchants by Spending Level
How much you earn annually from service stations ( with or without ancillary services) spending (MCC 5541), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5541 merchants. Effective value uses current point valuations from our Points Calculator. Annual fee not deducted — see individual card reviews for net value after fee.
Merchants Using MCC 5541
Related MCC Codes
MCC 5541 (Service Stations ( with or without ancillary services)) covers 671 merchants in our database. 46 credit cards earn elevated rewards on service stations ( with or without ancillary services) transactions. The top earning rate is 5x from the Ink Business Cash.
Frequently Asked Questions
What is MCC code 5541? +
MCC 5541 stands for Service Stations ( with or without ancillary services). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category. Our database tracks 671 merchants with this code.
What types of businesses use MCC 5541? +
Merchants classified under MCC 5541 (Service Stations ( with or without ancillary services)) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim, 7-Eleven - Anchorage.
Which credit cards earn bonus rewards at MCC 5541 merchants? +
The top cards for MCC 5541 (Service Stations ( with or without ancillary services)) are: Ink Business Cash (10x); Business Gold (8x); AAdvantage Executive (6x). These cards earn elevated rates specifically in the retail category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5541 merchants? +
46 credit cards in our database earn elevated rewards on MCC 5541 (Service Stations ( with or without ancillary services)) purchases. The top rate is 10x from the Ink Business Cash. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5541? +
MCC 5541 covers 671 merchants in our database, including 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim, 7-Eleven - Anchorage, and 667 more. All purchases at these merchants post as 'Service Stations ( with or without ancillary services)' and trigger retail category bonus rates on eligible credit cards.
Does 7-Eleven count as retail for credit card rewards? +
Yes. 7-Eleven is classified under MCC 5541 (Service Stations ( with or without ancillary services)), which falls in the retail category. Cards with retail bonus categories will apply the elevated earn rate — the top option earns 10x at qualifying merchants in this code.
What is the difference between MCC 5541 and MCC 5013? +
MCC 5541 (Service Stations ( with or without ancillary services)) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5541 is used for service stations ( with or without ancillary services) businesses, while MCC 5013 is assigned to motor vehicle supplies and new parts merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.