Plus: the best credit cards to use at Armstrong Garden Centers for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Armstrong Garden Centers uses MCC code 5261 (Nurseries – Lawn and Garden Supply Store). The best credit card is the Lowes, earning 5x rewards on this category.
Armstrong Garden Centers transactions are processed under MCC 5261 (Nurseries – Lawn and Garden Supply Store, 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 |
Rates and fees as of April 2026. Verify with issuer before applying.
Armstrong Garden Centers uses MCC code 5261, which is classified as "Nurseries – Lawn and Garden Supply Store". This determines which credit card bonus categories apply to purchases at Armstrong Garden Centers.
The best credit card at Armstrong Garden Centers is the Lowes, which earns 5x points/miles on purchases coded as MCC 5261 (Nurseries – Lawn and Garden Supply Store).
Armstrong Garden Centers uses MCC 5261 (Nurseries – Lawn and Garden Supply Store). This means purchases at Armstrong Garden Centers do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).