Best Credit Card for True Value in 2026
True Value is classified under MCC 5251 (Hardware Stores). The best card for True Value purchases is the Lowes (no annual fee), earning 5x on hardware stores — an effective return of 7.50%.
Hardware stores like True Value are crucial for those in the home improvement game. If you frequently need tools or paint, cards with a Home Improvement focus (like Lowe's) offer major perks.
To maximize your rewards, sign up for True Value's email list to get exclusive discounts on your favorite tools and gadgets.
Spending Math
If you spend $200 a month at True Value, using a card that offers 5x points there, like the Lowe’s Rewards Card, can earn you $120 a year. A basic 1% cash back card would only give you $24 in the same period.
True Value purchases are classified under MCC 5251 (Hardware Stores).
MCC Details for True Value
Best Credit Cards for True Value (2026)
How True Value Codes on Your Statement
When you pay at True Value at their locations, your card issuer sees MCC 5251 in the transaction data. This code tells your bank that the purchase was made at a hardware 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 "hardware stores" purchases, True Value transactions will qualify — even if your card terms only mention a category name and not True Value specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any True Value 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 5251 qualifies for bonus rewards.
Bonus Category Match — True Value
About MCC 5251: Hardware Stores
Merchant Category Code 5251 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Hardware Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5251, all qualifying card programs that include hardware 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 Hardware Stores merchants: Ace Hardware, Ace Hardware Store, Do it Best.
What You Could Earn at True Value
Spending $200/month at True Value with the Lowes (5x on hardware 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 True Value merchants, earning $120/year with no annual fee.