Best Credit Card for Living Spaces in 2026
Living Spaces is classified under MCC 5200 (Home Supply Warehouse Stores). The best card for Living Spaces purchases is the Lowes (no annual fee), earning 5x on home supply warehouse stores — an effective return of 7.50%.
Living Spaces falls under the Home Supply Warehouse Stores category (MCC 5200), making it a key destination for those who want to earn big on their Lowe's card which offers up to 5x points here.
To maximize your earnings, pair your Lowe's card with their store credit card for even more discounts and points on your purchases.
Spending Math
If you spend $200 a month at Living Spaces, using a Lowe's card that gives 5x points would net you $10 in rewards each month or $120 annually. Compare this to just $2 monthly ($24 yearly) on a generic 1% cashback card.
Living Spaces purchases are classified under MCC 5200 (Home Supply Warehouse Stores).
MCC Details for Living Spaces
Best Credit Cards for Living Spaces (2026)
How Living Spaces Codes on Your Statement
When you pay at Living Spaces 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, Living Spaces transactions will qualify — even if your card terms only mention a category name and not Living Spaces specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Living Spaces 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 — Living Spaces
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 Living Spaces
Spending $200/month at Living Spaces 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 Living Spaces merchants, earning $120/year with no annual fee.