Best Credit Card for Circle K in 2026
Circle K is classified under MCC 5541 (Service Stations ( with or without ancillary services)). The best card for Circle K 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 Circle K accept Mastercard? Yes — Circle K accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
Service stations like Circle K are crucial for daily commuters and road trippers, making them a key category in travel rewards cards like the Hilton Honors Surpass.
Fill up your tank at Circle K during peak times when gas prices are lower for an extra reward boost.
Spending Math
If you spend $200 at Circle K each month with the Hilton Honors Surpass card, you'd earn $144 annually compared to just $24 on a standard 1% cash-back card.
Circle K purchases are classified under MCC 5541 (Service Stations ( with or without ancillary services)).
MCC Details for Circle K
Best Credit Cards for Circle K (2026)
How Circle K Codes on Your Statement
When you pay at Circle K 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, Circle K transactions will qualify — even if your card terms only mention a category name and not Circle K specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Circle K 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 — Circle K
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 Circle K
Spending $200/month at Circle K 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 Circle K merchants, earning $120/year with no annual fee.