Plus: the best credit cards to use at Bob's Discount Furniture for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Bob's Discount Furniture uses MCC code 5200 (Home Supply Warehouse Stores). The best credit card is the Lowes, earning 5x rewards on this category.
Bob's Discount Furniture transactions are processed under MCC 5200 (Home Supply Warehouse 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.
Many shoppers assume grocery credit cards earn bonus rewards at stores like Bob's Discount Furniture, but this is not the case. Bob's Discount Furniture processes transactions under MCC 5200 (Home Supply Warehouse Stores), not the grocery MCC code 5411.
Cards that advertise "grocery bonuses" typically earn them only at traditional supermarkets coded MCC 5411. Always check the MCC code before assuming bonus rates apply.
Bob's Discount Furniture uses MCC code 5200, which is classified as "Home Supply Warehouse Stores". This determines which credit card bonus categories apply to purchases at Bob's Discount Furniture.
The best credit card at Bob's Discount Furniture is the Lowes, which earns 5x points/miles on purchases coded as MCC 5200 (Home Supply Warehouse Stores).
Bob's Discount Furniture uses MCC 5200 (Home Supply Warehouse Stores). This means purchases at Bob's Discount Furniture do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).