Best Credit Card for Walmart Gas in 2026
Walmart Gas is classified under MCC 5542 (Automated Fuel Dispensers). The best card for Walmart Gas purchases is the Ink Business Cash (no annual fee), earning 5x on automated fuel dispensers — an effective return of 10.25%.
Does Walmart Gas accept Mastercard? Yes — Walmart Gas accepts Mastercard and Visa at all pumps. American Express and Discover acceptance varies by location.
The Automated Fuel Dispensers (MCC 5542) category is crucial for maximizing rewards, especially if you frequently fill up at Walmart Gas stations.
Always use your high-reward card at Walmart Gas stations for max savings since this MCC falls under top-tier reward categories.
Spending Math
If you spend $200 a month on gas with the Hilton Honors Surpass card earning 6x points, that's $144 in annual earnings compared to just $24 from a standard 1% cash back card.
Walmart Gas purchases are classified under MCC 5542 (Automated Fuel Dispensers).
MCC Details for Walmart Gas
Best Credit Cards for Walmart Gas (2026)
How Walmart Gas Codes on Your Statement
When you pay at Walmart 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, Walmart Gas transactions will qualify — even if your card terms only mention a category name and not Walmart Gas specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Walmart 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 — Walmart 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 Walmart Gas
Spending $200/month at Walmart 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 Walmart Gas merchants, earning $120/year with no annual fee.