MCC 5200: Home Supply Warehouse Stores — Credit Card Bonus Rates
MCC 5200 covers HOME SUPPLY WAREHOUSE STORES merchants, classified under retail. The top card is Lowes earning 5X. 5 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Home Depot, Lowe's, and Menards are examples of stores with the MCC 5200. Purchases for tools, building materials, and gardening supplies at these stores get coded here.
Cardholders often think groceries and household items purchased at home supply stores also count towards this MCC, but it's mainly for construction and DIY-related products.
5 Cards That Earn Bonus on MCC 5200
Merchants Using MCC 5200
Related MCC Codes
MCC 5200 (Home Supply Warehouse Stores) covers 23 merchants in our database. 5 credit cards earn elevated rewards on home supply warehouse stores transactions. The top earning rate is 5x from the Lowes.
Frequently Asked Questions
What is MCC code 5200? +
MCC 5200 stands for Home Supply Warehouse Stores. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category. Our database tracks 23 merchants with this code.
What types of businesses use MCC 5200? +
Merchants classified under MCC 5200 (Home Supply Warehouse Stores) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include 84 Lumber, Ashley HomeStore, Bassett Furniture, Bob's Discount Furniture.
Which credit cards earn bonus rewards at MCC 5200 merchants? +
The top cards for MCC 5200 (Home Supply Warehouse Stores) are: Lowes (8x); Custom Cash (5x); Ink Business Cash (4x). These cards earn elevated rates specifically in the retail category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5200 merchants? +
5 credit cards in our database earn elevated rewards on MCC 5200 (Home Supply Warehouse Stores) purchases. The top rate is 8x from the Lowes. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5200? +
MCC 5200 covers 23 merchants in our database, including 84 Lumber, Ashley HomeStore, Bassett Furniture, Bob's Discount Furniture, and 19 more. All purchases at these merchants post as 'Home Supply Warehouse Stores' and trigger retail category bonus rates on eligible credit cards.
Does 84 Lumber count as retail for credit card rewards? +
Yes. 84 Lumber is classified under MCC 5200 (Home Supply Warehouse Stores), which falls in the retail category. Cards with retail bonus categories will apply the elevated earn rate — the top option earns 8x at qualifying merchants in this code.
What is the difference between MCC 5200 and MCC 5013? +
MCC 5200 (Home Supply Warehouse Stores) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5200 is used for home supply warehouse stores 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.