Plus: the best credit cards to use at Ace Hardware for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Ace Hardware uses MCC code 5251 (Hardware Stores). The best credit card is the Lowes, earning 5x rewards on this category.
Ace Hardware transactions are processed under MCC 5251 (Hardware Stores, category: retail). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Lowes | 5x | No annual fee | American Express | Apply Now |
| Custom Cash | 5x | No annual fee | Citi | Apply Now |
| Customized Cash Rewards | 2x | No annual fee | Bank of America | Apply Now |
| Ink Business Cash | 2x | No annual fee | Chase | Apply Now |
| Business Platinum | 2x | $695/yr | American Express | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Ace Hardware uses MCC code 5251, which is classified as "Hardware Stores". This determines which credit card bonus categories apply to purchases at Ace Hardware.
The best credit card at Ace Hardware is the Lowes, which earns 5x points/miles on purchases coded as MCC 5251 (Hardware Stores).
Ace Hardware uses MCC 5251 (Hardware Stores). This means purchases at Ace Hardware do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).