MCC 5039 covers CONSTRUCTION MATERIALS, NOT ELSEWHERE CLASSIFIED merchants, classified under retail. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or retail category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Hardware stores like Home Depot and Lowe's use this MCC for construction materials. Specific purchases include nails, lumber, paint, and tools.
Cardholders often think only big hardware stores get this code but small local suppliers do too. Surprises come when DIY tools or basic building supplies are coded here.
MCC 5039 stands for Construction Materials, Not Elsewhere Classified. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5039 (Construction Materials, Not Elsewhere Classified) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5039 (Construction Materials, Not Elsewhere Classified) is not currently a dedicated bonus category for most major credit cards. For retail spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 5039 (Construction Materials, Not Elsewhere Classified). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for retail spending.
MCC 5039 is assigned to businesses providing construction materials, not elsewhere classified services. While this is a less common merchant category, any purchase that posts with code 5039 will be classified as 'Construction Materials, Not Elsewhere Classified' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5039 (Construction Materials, Not Elsewhere Classified) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5039 is used for construction materials, not elsewhere classified businesses, while MCC 5013 is assigned to motor vehicle supplies and new parts merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.