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Service Stations ( with or without ancillary services)
Confirmed via network classification
Quick Answer
Murphy Express is classified under MCC 5541 (Service Stations ( with or without ancillary services)). The best card for Murphy Express 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%.
Service stations, like Murphy Express, are crucial for daily expenses and can significantly boost rewards earnings if covered by the right credit cards, such as premium travel category cards.
Pro Tip
Consider setting your Murphy Express gas purchases as an automatic transaction linked to your high-earning rewards credit card to maximize point accumulation.
When you pay at Murphy Express 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, Murphy Express transactions will qualify — even if your card terms only mention a category name and not Murphy Express specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Murphy Express 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.
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 (MCC 5541)
Spending $200/month at Murphy Express 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 Murphy Express merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Murphy Express use?
Murphy Express uses MCC 5541 (Service Stations ( with or without ancillary services)). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Murphy Express.
Which credit card earns the most rewards at Murphy Express?
The Ink Business Cash earns 5x on service stations ( with or without ancillary services) purchases (MCC 5541), making it the highest-earning option at Murphy Express among the cards we track.
Does my card earn bonus rewards at Murphy Express?
It depends on your card's bonus categories. If your card earns bonus rewards on service stations ( with or without ancillary services) purchases, Murphy Express transactions (MCC 5541) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Murphy Express classified as service stations ( with or without ancillary services) for credit card purposes?
Yes. Murphy Express is classified under MCC 5541, which falls in the Service Stations ( with or without ancillary services) category. This means cards with service stations ( with or without ancillary services) bonus categories will apply the elevated earn rate at Murphy Express.
What is MCC 5541 and what merchants use it?
MCC 5541 stands for Service Stations ( with or without ancillary services). It is assigned to businesses that primarily operate in gas stations (pay-at-pump and inside). Besides Murphy Express, other merchants in the same MCC include similar businesses in the retail industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
