Best Credit Card for Bob's Discount Furniture in 2026
Bob's Discount Furniture is classified under MCC 5200 (Home Supply Warehouse Stores). The best card for Bob's Discount Furniture purchases is the Lowes (no annual fee), earning 5x on home supply warehouse stores — an effective return of 7.50%.
MCC 5200 covers home supply stores, making it a key category for rewards enthusiasts who frequent furniture and home improvement shops.
To maximize rewards at Bob's Discount Furniture, always check if they partner with specific credit cards for higher earning rates or exclusive discounts.
Spending Math
If you spend $200 a month at Bob's Discount Furniture with a card that earns 5x points (like the Lowe's card), you'd earn $10 a month. That's $120 annually, way more than the $24 you’d get from a standard 1% cashback card.
Bob's Discount Furniture purchases are classified under MCC 5200 (Home Supply Warehouse Stores).
MCC Details for Bob's Discount Furniture
Best Credit Cards for Bob's Discount Furniture (2026)
How Bob's Discount Furniture Codes on Your Statement
When you pay at Bob's Discount Furniture at their locations, your card issuer sees MCC 5200 in the transaction data. This code tells your bank that the purchase was made at a home supply warehouse 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 "home supply warehouse stores" purchases, Bob's Discount Furniture transactions will qualify — even if your card terms only mention a category name and not Bob's Discount Furniture specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Bob's Discount Furniture 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 5200 qualifies for bonus rewards.
Bonus Category Match — Bob's Discount Furniture
About MCC 5200: Home Supply Warehouse Stores
Merchant Category Code 5200 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Home Supply Warehouse Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5200, all qualifying card programs that include home supply warehouse stores as a bonus category will apply the elevated earn rate.
The Retail 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 Home Supply Warehouse Stores merchants: 84 Lumber, Ashley HomeStore, Bassett Furniture.
What You Could Earn at Bob's Discount Furniture
Spending $200/month at Bob's Discount Furniture with the Lowes (5x on home supply warehouse stores) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Custom Cash earns 5x at Bob's Discount Furniture merchants, earning $120/year with no annual fee.