Best Credit Card for Monrovia Nursery in 2026
Monrovia Nursery is classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store). The best card for Monrovia Nursery purchases is the Lowes (no annual fee), earning 5x on nurseries – lawn and garden supply store — an effective return of 7.50%.
If you love tending to your lawn and garden, this MCC is a gold mine for rewards with a Lowes card or similar category that offers high points for home improvement stores.
Maximize your rewards by checking for special promo periods when Monrovia Nursery might offer extra points on their card.
Spending Math
Spending $200 a month at Monrovia Nursery on a card offering 5x points like the Lowe's Credit Card would earn you $10 monthly, totaling $120 yearly. A basic 1% cash back card would only net you $2 per month or $24 annually.
Monrovia Nursery purchases are classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store).
MCC Details for Monrovia Nursery
Best Credit Cards for Monrovia Nursery (2026)
How Monrovia Nursery Codes on Your Statement
When you pay at Monrovia Nursery at their locations, your card issuer sees MCC 5261 in the transaction data. This code tells your bank that the purchase was made at a nurseries – lawn and garden supply store merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "nurseries – lawn and garden supply store" purchases, Monrovia Nursery transactions will qualify — even if your card terms only mention a category name and not Monrovia Nursery specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Monrovia Nursery 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 5261 qualifies for bonus rewards.
Bonus Category Match — Monrovia Nursery
About MCC 5261: Nurseries – Lawn and Garden Supply Store
Merchant Category Code 5261 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Nurseries – Lawn and Garden Supply Store industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5261, all qualifying card programs that include nurseries – lawn and garden supply store 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 Nurseries – Lawn and Garden Supply Store merchants: Armstrong Garden Centers, Pike Nurseries, Plow & Hearth.
What You Could Earn at Monrovia Nursery
Spending $200/month at Monrovia Nursery with the Lowes (5x on nurseries – lawn and garden supply store) 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 Monrovia Nursery merchants, earning $120/year with no annual fee.