Best Credit Card for BJ's Gas Station in 2026
BJ's Gas Station is classified under MCC 5542 (Automated Fuel Dispensers). The best card for BJ's Gas Station 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 Station accept Mastercard? Yes — BJ's Gas Station accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
MCC 5542 for automated fuel dispensers like BJ's Gas Station is key for maximizing rewards on travel cards, especially those offering high points or cash back on gas purchases.
Always fill up your tank before leaving town to avoid higher prices at out-of-town gas stations and rack up those bonus rewards.
Spending Math
If you spend $200 a month at BJ's Gas Station, the Hilton Honors Surpass card with its 6x points earns you $144 annually compared to just $24 from a generic 1% cash back card. That’s a huge difference!
BJ's Gas Station purchases are classified under MCC 5542 (Automated Fuel Dispensers).
MCC Details for BJ's Gas Station
Best Credit Cards for BJ's Gas Station (2026)
How BJ's Gas Station Codes on Your Statement
When you pay at BJ's Gas Station 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 Station transactions will qualify — even if your card terms only mention a category name and not BJ's Gas Station specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any BJ's Gas Station 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 Station
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, Costco Gas, Costco Gas Station.
What You Could Earn at BJ's Gas Station
Spending $200/month at BJ's Gas Station 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 Station merchants, earning $120/year with no annual fee.