If you want no wait.. Come pump gas really early or really late. The only credit card accepted is American Express (March of 2016 they will begin to accept visa). All debit cards are accepted. Their gasoline is rated Top Tier as well. Just on gas savings alone I double my membership back yearly. Keep in mind the 2% cash back does NOT apply to gasoline. I'm also posting a picture with the times since there currently isn't an accurate one floating around.