Best Credit Card for Electrify America in 2026
Electrify America is classified under MCC 5541 (Service Stations ( with or without ancillary services)). The best card for Electrify America 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 Electrify America accept Mastercard? Yes — Electrify America accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
The MCC 5541 for service stations, including Electrify America, is a gold mine for travel and premium rewards credit cards like the Hilton Honors Surpass.
Maximize your rewards by pre-paying for charging sessions with an eligible credit card to avoid any transaction fees and get full reward points.
Spending Math
If you spend $200 per month at Electrify America, the Hilton Honors Surpass card earns you $144 annually compared to just $24 from a basic 1% cash back card.
Electrify America purchases are classified under MCC 5541 (Service Stations ( with or without ancillary services)).
MCC Details for Electrify America
Best Credit Cards for Electrify America (2026)
How Electrify America Codes on Your Statement
When you pay at Electrify America 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, Electrify America transactions will qualify — even if your card terms only mention a category name and not Electrify America specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Electrify America 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 — Electrify America
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 Electrify America
Spending $200/month at Electrify America 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 Electrify America merchants, earning $120/year with no annual fee.