Best Credit Card for Rooms To Go in 2026
Rooms To Go is classified under MCC 5200 (Home Supply Warehouse Stores). The best card for Rooms To Go purchases is the Lowes (no annual fee), earning 5x on home supply warehouse stores — an effective return of 7.50%.
If you're in the market for furniture and home decor, Rooms To Go falls under the Home Supply Warehouse Stores category (MCC 5200). This is a great fit for cashback cards that offer high rewards on these types of purchases.
To maximize your rewards at Rooms To Go, consider signing up for their credit card, often offering extra discounts and points on purchases.
Spending Math
Imagine spending $200 each month at Rooms To Go. With a Lowes card earning you 5x points, that's $10 in earnings per month or $120 annually. Compare this to a basic 1% cashback card which would earn just $2 monthly or $24 yearly.
Rooms To Go purchases are classified under MCC 5200 (Home Supply Warehouse Stores).
MCC Details for Rooms To Go
Best Credit Cards for Rooms To Go (2026)
How Rooms To Go Codes on Your Statement
When you pay at Rooms To Go 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, Rooms To Go transactions will qualify — even if your card terms only mention a category name and not Rooms To Go specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Rooms To Go 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 — Rooms To Go
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 Rooms To Go
Spending $200/month at Rooms To Go 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 Rooms To Go merchants, earning $120/year with no annual fee.