Best Credit Card for BJ's Gas in 2026
BJ's Gas is classified under MCC 5542 (Automated Fuel Dispensers). The best card for BJ's Gas purchases is the Ink Business Cash (no annual fee), earning 5x on automated fuel dispensers — an effective return of 10.25%.
Does BJ's Gas accept Mastercard? Yes — BJ's Gas accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
Automated fuel dispensers at BJ's Gas fall under MCC 5542, making them a prime target for travel credit cards that offer high rewards rates on gas purchases.
Always use your rewards-earning credit card at the pump and opt for contactless payments to avoid fuel surcharge fees that can eat into your savings.
Spending Math
If you spend $200 per month at BJ's Gas, the Hilton Honors Surpass card would earn you $12.00 monthly or $144.00 annually compared to just $24.00 yearly with a standard 1% cash back card.
BJ's Gas purchases are classified under MCC 5542 (Automated Fuel Dispensers).
MCC Details for BJ's Gas
Best Credit Cards for BJ's Gas (2026)
How BJ's Gas Codes on Your Statement
When you pay at BJ's Gas at their locations, your card issuer sees MCC 5542 in the transaction data. This code tells your bank that the purchase was made at a automated fuel dispensers merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "automated fuel dispensers" purchases, BJ's Gas transactions will qualify — even if your card terms only mention a category name and not BJ's Gas specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any BJ's 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 5542 qualifies for bonus rewards.
Bonus Category Match — BJ's Gas
About MCC 5542: Automated Fuel Dispensers
Merchant Category Code 5542 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Automated Fuel Dispensers industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5542, all qualifying card programs that include automated fuel dispensers 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 Automated Fuel Dispensers merchants: BJ's Gas Station, Costco Gas, Costco Gas Station.
What You Could Earn at BJ's Gas
Spending $200/month at BJ's Gas with the Ink Business Cash (5x on automated fuel dispensers) 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 BJ's Gas merchants, earning $120/year with no annual fee.