Best Credit Card for Sam's Club Gas in 2026
Sam's Club Gas is classified under MCC 5542 (Automated Fuel Dispensers). The best card for Sam's Club Gas purchases is the Ink Business Cash (no annual fee), earning 5x on automated fuel dispensers — an effective return of 10.25%.
Does Sam's Club Gas accept Mastercard? Yes — Sam's Club Gas accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
Sam's Club Gas stations are covered under the automated fuel dispensers category (MCC 5542). If you're a frequent driver, this MCC is crucial for maximizing your rewards through cards like the Hilton Honors Surpass.
To maximize your rewards at Sam's Club Gas, always ensure you're using a linked payment method like PayPal with your premium credit card to capture those high earning rates.
Spending Math
If you spend $200 per month at Sam's Club Gas stations using the Hilton Honors Surpass card with its 6x points perk, you'll earn an impressive $144 in annual rewards. Compare that to a basic 1% cash back card which would only net you $24 over the same period.
Sam's Club Gas purchases are classified under MCC 5542 (Automated Fuel Dispensers).
MCC Details for Sam's Club Gas
Best Credit Cards for Sam's Club Gas (2026)
How Sam's Club Gas Codes on Your Statement
When you pay at Sam's Club Gas at their locations, your card issuer sees MCC 5542 in the transaction data. This code tells your bank that the purchase was made at a automated fuel dispensers merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "automated fuel dispensers" purchases, Sam's Club Gas transactions will qualify — even if your card terms only mention a category name and not Sam's Club Gas specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Sam's Club Gas 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 5542 qualifies for bonus rewards.
Bonus Category Match — Sam's Club Gas
About MCC 5542: Automated Fuel Dispensers
Merchant Category Code 5542 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Automated Fuel Dispensers industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5542, all qualifying card programs that include automated fuel dispensers 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 Automated Fuel Dispensers merchants: BJ's Gas, BJ's Gas Station, Costco Gas.
What You Could Earn at Sam's Club Gas
Spending $200/month at Sam's Club Gas with the Ink Business Cash (5x on automated fuel dispensers) 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 Sam's Club Gas merchants, earning $120/year with no annual fee.