Best Credit Card for Pike Nurseries in 2026
Pike Nurseries is classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store). The best card for Pike Nurseries purchases is the Lowes (no annual fee), earning 5x on nurseries – lawn and garden supply store — an effective return of 7.50%.
If you're into gardening and landscaping, the Nurseries MCC is a goldmine for rewards if your card offers high earning rates in that category.
Look for cards that offer bonus rewards during spring planting season when your gardening expenses spike.
Spending Math
Spend $200 a month at Pike Nurceries on a Lowes card with 5x points and it'll earn you $10 each month or $120 annually, compared to just $24 from a standard 1% cash back card.
Pike Nurseries purchases are classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store).
MCC Details for Pike Nurseries
Best Credit Cards for Pike Nurseries (2026)
How Pike Nurseries Codes on Your Statement
When you pay at Pike Nurseries 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, Pike Nurseries transactions will qualify — even if your card terms only mention a category name and not Pike Nurseries specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Pike Nurseries 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 — Pike Nurseries
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, Monrovia Nursery, Plow & Hearth.
What You Could Earn at Pike Nurseries
Spending $200/month at Pike Nurseries 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 Pike Nurseries merchants, earning $120/year with no annual fee.