Best Credit Card for Crate & Barrel in 2026
Crate & Barrel is classified under MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances). The best card for Crate & Barrel purchases is the Active Cash (no annual fee), earning 2x on furniture, home furnishings, and equipment stores, exceptappliances — an effective return of 2.00%.
Furniture stores like Crate & Barrel are great for credit card rewards because they offer higher earning rates than basic retail. Look for cards in the travel or general category that reward you with more than 1% cash back here.
Consider using points or miles to redeem discounts on bigger purchases at Crate & Barrel through their partnership programs.
Crate & Barrel purchases are classified under MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances). If you spend frequently here, see our best cards for home.
MCC Details for Crate & Barrel
Best Credit Cards for Crate & Barrel (2026)
How Crate & Barrel Codes on Your Statement
When you pay at Crate & Barrel at their locations, your card issuer sees MCC 5712 in the transaction data. This code tells your bank that the purchase was made at a furniture, home furnishings, and equipment stores, exceptappliances merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "furniture, home furnishings, and equipment stores, exceptappliances" purchases, Crate & Barrel transactions will qualify — even if your card terms only mention a category name and not Crate & Barrel specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Crate & Barrel 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 5712 qualifies for bonus rewards.
Bonus Category Match — Crate & Barrel
About MCC 5712: Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances
Merchant Category Code 5712 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5712, all qualifying card programs that include furniture, home furnishings, and equipment stores, exceptappliances 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 Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances merchants: Ashley Furniture, Bob's Discount Furniture, CB2.
What You Could Earn at Crate & Barrel
Spending $200/month at Crate & Barrel with the Active Cash (2x on furniture, home furnishings, and equipment stores, exceptappliances) 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 Crate & Barrel merchants, earning $48/year with no annual fee.