Plus: the best credit cards to use at Terrain for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Terrain uses MCC code 5261 (Nurseries – Lawn and Garden Supply Store). The best credit card is the Lowes, earning 5x rewards on this category.
Terrain 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.
Terrain 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 Terrain.
The best credit card at Terrain is the Lowes, which earns 5x points/miles on purchases coded as MCC 5261 (Nurseries – Lawn and Garden Supply Store).
Terrain uses MCC 5261 (Nurseries – Lawn and Garden Supply Store). This means purchases at Terrain do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).