MCC 5261: Nurseries – Lawn and Garden Supply Store — Credit Card Bonus Rates
MCC 5261 covers NURSERIES – LAWN AND GARDEN SUPPLY STORE merchants, classified under retail. The top card is Lowes earning 5X. 4 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Local nurseries like Sprout's Garden and Home Depot garden centers use MCC 5261. Purchases include seeds, plants, gardening tools.
Cardholders often think hardware stores use this code too, but they typically fall under a different category.
4 Cards That Earn Bonus on MCC 5261
Merchants Using MCC 5261
Related MCC Codes
MCC 5261 (Nurseries – Lawn and Garden Supply Store) covers 6 merchants in our database. 4 credit cards earn elevated rewards on nurseries – lawn and garden supply store transactions. The top earning rate is 5x from the Lowes.
Frequently Asked Questions
What is MCC code 5261? +
MCC 5261 stands for Nurseries – Lawn and Garden Supply Store. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category. Our database tracks 6 merchants with this code.
What types of businesses use MCC 5261? +
Merchants classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Armstrong Garden Centers, Monrovia Nursery, Pike Nurseries, Plow & Hearth.
Which credit cards earn bonus rewards at MCC 5261 merchants? +
The top cards for MCC 5261 (Nurseries – Lawn and Garden Supply Store) 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 5261 merchants? +
4 credit cards in our database earn elevated rewards on MCC 5261 (Nurseries – Lawn and Garden Supply Store) 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 5261? +
MCC 5261 covers 6 merchants in our database, including Armstrong Garden Centers, Monrovia Nursery, Pike Nurseries, Plow & Hearth, and 2 more. All purchases at these merchants post as 'Nurseries – Lawn and Garden Supply Store' and trigger retail category bonus rates on eligible credit cards.
Does Armstrong Garden Centers count as retail for credit card rewards? +
Yes. Armstrong Garden Centers is classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store), 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 5261 and MCC 5013? +
MCC 5261 (Nurseries – Lawn and Garden Supply Store) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5261 is used for nurseries – lawn and garden supply store 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.