Best Credit Card for BP in 2026
BP is classified under MCC 5541 (Service Stations ( with or without ancillary services)). The best card for BP 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 BP accept Mastercard? Yes — BP accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
Service stations are essential for drivers, and many credit cards offer generous rewards in this category to keep you fueled up with points or cash back.
To maximize your rewards, consider setting up autopay for your regular fuel expenses directly from your high-reward credit card.
Spending Math
If you spend $200 a month at BP with the Hilton Honors Surpass card giving 6x points, you earn $144 annually compared to just $24 on a standard 1% rewards card.
BP purchases are classified under MCC 5541 (Service Stations ( with or without ancillary services)).
MCC Details for BP
Best Credit Cards for BP (2026)
How BP Codes on Your Statement
When you pay at BP 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, BP transactions will qualify — even if your card terms only mention a category name and not BP specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any BP 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 — BP
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 BP
Spending $200/month at BP 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 BP merchants, earning $120/year with no annual fee.