Best Credit Card for Plow & Hearth in 2026
Plow & Hearth is classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store). The best card for Plow & Hearth 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 lawn care, Plow & Hearth can be a goldmine for rewards if your card covers it under the Nurseries category.
Consider rotating your rewards cards seasonally to maximize earnings when you need garden supplies most.
Spending Math
Let's say you spend $200 a month at Plow & Hearth. With a Lowes card offering 5x points here, that's $10 per month or $120 annually. A basic 1% cash-back card would earn just $2 monthly, totaling $24 yearly.
Plow & Hearth purchases are classified under MCC 5261 (Nurseries – Lawn and Garden Supply Store).
MCC Details for Plow & Hearth
Best Credit Cards for Plow & Hearth (2026)
How Plow & Hearth Codes on Your Statement
When you pay at Plow & Hearth 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, Plow & Hearth transactions will qualify — even if your card terms only mention a category name and not Plow & Hearth specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Plow & Hearth 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 — Plow & Hearth
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, Pike Nurseries.
What You Could Earn at Plow & Hearth
Spending $200/month at Plow & Hearth 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 Plow & Hearth merchants, earning $120/year with no annual fee.