MCC 7641 covers FURNITURE, FURNITURE REPAIR, AND FURNITURE REFINISHING merchants, classified under other. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or other category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
IKEA, Ashley Furniture, and Wayfair use MCC 7641. Specific purchases include new furniture items like sofas, dining tables, and beds.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 7641 (furniture, furniture repair, and furniture refinishing). Your card issuer uses this code to determine whether other category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
People often think home decor items or appliance stores are coded under this MCC, but they aren't.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
MCC 7641 stands for Furniture, Furniture Repair, and Furniture Refinishing. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the other category.
Merchants classified under MCC 7641 (Furniture, Furniture Repair, and Furniture Refinishing) operate in the other sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 7641 (Furniture, Furniture Repair, and Furniture Refinishing) is not currently a dedicated bonus category for most major credit cards. For other 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 7641 (Furniture, Furniture Repair, and Furniture Refinishing). 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 other spending.
MCC 7641 is assigned to businesses providing furniture, furniture repair, and furniture refinishing services. While this is a less common merchant category, any purchase that posts with code 7641 will be classified as 'Furniture, Furniture Repair, and Furniture Refinishing' by your card issuer, which determines whether other category bonuses apply to that transaction.
MCC 7641 (Furniture, Furniture Repair, and Furniture Refinishing) and MCC 5832 (Antique Shops – Sales, Repairs, and Restoration Services) are both in the other category but cover distinct merchant types. MCC 7641 is used for furniture, furniture repair, and furniture refinishing businesses, while MCC 5832 is assigned to antique shops – sales, repairs, and restoration services 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.