Plus: the best credit cards to use at Builders FirstSource for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Builders FirstSource uses MCC code 5200 (Home Supply Warehouse Stores). The best credit card is the Lowes, earning 5x rewards on this category.
Builders FirstSource 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 Builders FirstSource, but this is not the case. Builders FirstSource 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.
Builders FirstSource uses MCC code 5200, which is classified as "Home Supply Warehouse Stores". This determines which credit card bonus categories apply to purchases at Builders FirstSource.
The best credit card at Builders FirstSource is the Lowes, which earns 5x points/miles on purchases coded as MCC 5200 (Home Supply Warehouse Stores).
Builders FirstSource uses MCC 5200 (Home Supply Warehouse Stores). This means purchases at Builders FirstSource do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).