MCC 5074 covers PLUMBING AND HEATING EQUIPMENT AND SUPPLIES 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.
Plumbing supply stores like Home Depot and Lowe's use MCC 5074. So do plumbing contractors for materials such as pipes, valves, and fixtures.
People often think only plumbers' shops use this code but it also covers heating equipment sales, even at big retailers.
MCC 5074 stands for Plumbing and Heating Equipment and Supplies. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5074 (Plumbing and Heating Equipment and Supplies) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5074 (Plumbing and Heating Equipment and Supplies) 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 5074 (Plumbing and Heating Equipment and Supplies). 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 5074 is assigned to businesses providing plumbing and heating equipment and supplies services. While this is a less common merchant category, any purchase that posts with code 5074 will be classified as 'Plumbing and Heating Equipment and Supplies' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5074 (Plumbing and Heating Equipment and Supplies) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5074 is used for plumbing and heating equipment and supplies 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.