Best Credit Card for 76 Gas in 2026
76 Gas is classified under MCC 5541 (Service Stations ( with or without ancillary services)). The best card for 76 Gas purchases is the Ink Business Cash (no annual fee), earning 5x on service stations ( with or without ancillary services) — an effective return of 10.25%.
Does 76 Gas accept Mastercard? Yes — 76 Gas accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
Service stations like 76 Gas are crucial for card rewards because they fall under the MCC 5541, which is covered by many travel and premium cash-back cards offering high earning rates.
To maximize your rewards, consider setting up automatic payments for regular gas expenses using a high-reward credit card.
Spending Math
If you spend $200 a month on gas at 76 Gas with a Hilton Honors Surpass card that earns 6x points, you'd earn $144 in rewards annually compared to just $24 from a basic 1% cash-back card.
76 Gas purchases are classified under MCC 5541 (Service Stations ( with or without ancillary services)).
MCC Details for 76 Gas
Best Credit Cards for 76 Gas (2026)
How 76 Gas Codes on Your Statement
When you pay at 76 Gas at their locations, your card issuer sees MCC 5541 in the transaction data. This code tells your bank that the purchase was made at a service stations ( with or without ancillary services) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "service stations ( with or without ancillary services)" purchases, 76 Gas transactions will qualify — even if your card terms only mention a category name and not 76 Gas specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any 76 Gas transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5541 qualifies for bonus rewards.
Bonus Category Match — 76 Gas
About MCC 5541: Service Stations ( with or without ancillary services)
Merchant Category Code 5541 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Service Stations ( with or without ancillary services) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5541, all qualifying card programs that include service stations ( with or without ancillary services) as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Service Stations ( with or without ancillary services) merchants: 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim.
What You Could Earn at 76 Gas
Spending $200/month at 76 Gas with the Ink Business Cash (5x on service stations ( with or without ancillary services)) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Custom Cash earns 5x at 76 Gas merchants, earning $120/year with no annual fee.