Best Credit Card for Love's Travel Stops in 2026
Love's Travel Stops is classified under MCC 5541 (Service Stations ( with or without ancillary services)). The best card for Love's Travel Stops 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 Love's Travel Stops accept Mastercard? Yes — Love's Travel Stops accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
Service stations like Love's Travel Stops are gold for credit card rewards, especially if you're a frequent driver. Cards in the travel category often offer high earnings here.
To supercharge your rewards, use your travel-focused credit card for all fuel and in-store purchases while at Love's.
Spending Math
If you spend $200 monthly at Love's with the Hilton Honors Surpass (6x points), you'd earn $144 annually compared to just $24 on a generic 1% cash back card.
Love's Travel Stops purchases are classified under MCC 5541 (Service Stations ( with or without ancillary services)).
MCC Details for Love's Travel Stops
Best Credit Cards for Love's Travel Stops (2026)
How Love's Travel Stops Codes on Your Statement
When you pay at Love's Travel Stops 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, Love's Travel Stops transactions will qualify — even if your card terms only mention a category name and not Love's Travel Stops specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Love's Travel Stops 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 — Love's Travel Stops
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 Love's Travel Stops
Spending $200/month at Love's Travel Stops 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 Love's Travel Stops merchants, earning $120/year with no annual fee.