Best Credit Card for Bed Bath & Beyond in 2026
Bed Bath & Beyond is classified under MCC 5719 (Miscellaneous Home Furnishing Specialty Stores). The best card for Bed Bath & Beyond purchases is the Active Cash (no annual fee), earning 2x on miscellaneous home furnishing specialty stores — an effective return of 2.00%.
Bed Bath & Beyond is a one-stop shop for home essentials and gifts, making it an important merchant category (MCC 5719) for rewards enthusiasts. These stores are typically covered by travel and dining cards, offering higher cash back rates.
Maximize your rewards by using rotating category cards or signing up for Bed Bath & Beyond's credit card offers, which often provide extra cash back.
Spending Math
If you spend $200 monthly at Bed Bath & Beyond with a card that offers 2% cash back, you'd earn $4 in rewards each month ($48 annually). With a basic 1% card, your annual reward would drop to just $24.
Bed Bath & Beyond purchases are classified under MCC 5719 (Miscellaneous Home Furnishing Specialty Stores). If you spend frequently here, see our best cards for home.
MCC Details for Bed Bath & Beyond
Best Credit Cards for Bed Bath & Beyond (2026)
How Bed Bath & Beyond Codes on Your Statement
When you pay at Bed Bath & Beyond at their locations, your card issuer sees MCC 5719 in the transaction data. This code tells your bank that the purchase was made at a miscellaneous home furnishing specialty stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "miscellaneous home furnishing specialty stores" purchases, Bed Bath & Beyond transactions will qualify — even if your card terms only mention a category name and not Bed Bath & Beyond specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Bed Bath & Beyond transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5719 qualifies for bonus rewards.
Bonus Category Match — Bed Bath & Beyond
About MCC 5719: Miscellaneous Home Furnishing Specialty Stores
Merchant Category Code 5719 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Miscellaneous Home Furnishing Specialty Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5719, all qualifying card programs that include miscellaneous home furnishing specialty stores as a bonus category will apply the elevated earn rate.
The Home industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Miscellaneous Home Furnishing Specialty Stores merchants: At Home, Pier 1 Imports, Tuesday Morning.
What You Could Earn at Bed Bath & Beyond
Spending $200/month at Bed Bath & Beyond with the Active Cash (2x on miscellaneous home furnishing specialty stores) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.
Prefer no annual fee? The Signify Business Cash earns 2x at Bed Bath & Beyond merchants, earning $48/year with no annual fee.