MCC 5712 covers FURNITURE, HOME FURNISHINGS, AND EQUIPMENT STORES, EXCEPTAPPLIANCES merchants, classified under home. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or home category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
IKEA, Wayfair, and Ashley Furniture use MCC 5712. It covers all furniture and home furnishings except appliances.
People often think appliance stores also fall under this code, but they don't. Only furniture and decor fit here.
MCC 5712 stands for Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the home category. Our database tracks 8 merchants with this code.
Merchants classified under MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances) operate in the home sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Ashley Furniture, Bob's Discount Furniture, CB2, Crate & Barrel.
MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances) is not currently a dedicated bonus category for most major credit cards. For home 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 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances). 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 home spending.
MCC 5712 covers 8 merchants in our database, including Ashley Furniture, Bob's Discount Furniture, CB2, Crate & Barrel, and 4 more. All purchases at these merchants post as 'Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances' and trigger home category bonus rates on eligible credit cards.
Ashley Furniture is classified under MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances). Most cards do not have a dedicated bonus category for this MCC, so purchases will earn base rewards (typically 1–1.5x). A flat-rate card is the most predictable choice here.
MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances) and MCC 5713 (Floor Covering Stores) are both in the home category but cover distinct merchant types. MCC 5712 is used for furniture, home furnishings, and equipment stores, exceptappliances businesses, while MCC 5713 is assigned to floor covering stores 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.