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PreSwipe  /  Merchants  /  Phillips 66

Does Phillips 66
code as Gas?

Know exactly how your credit card will categorize a purchase at Phillips 66 — before you tap.

Codes as expected
VisaMastercardAmexDiscover
MCC Code
5541
Category
Service Stations
Reward Category
Gas
Confirmed by
PreSwipe team
Best cards for Phillips 66
Hilton Honors Amex Surpass
6x pts on U.S. gas stations
6x pts
Citi Custom Cash
5% back on top spend category (auto)
5% back
Costco Anywhere Visa
4% back on gas stations
4% back
Amex Blue Cash Preferred
3% back on U.S. gas stations
3% back
Amex Blue Cash Everyday
3% back on U.S. gas stations
3% back
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Frequently asked questions
What MCC code does Phillips 66 use?
Phillips 66 uses MCC 5541 — Service Stations. This is the four-digit Merchant Category Code assigned to Phillips 66 by card networks and determines how your purchase is categorized for rewards.
Does Phillips 66 count as service stations for credit card rewards?
Yes — Phillips 66 codes as Service Stations (MCC 5541), so purchases here should earn bonus rewards on cards that offer a service stations category bonus.
Which credit card earns the most rewards at Phillips 66?
The best card depends on how Phillips 66 codes. Since it uses MCC 5541 (Service Stations), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.