Best Credit Card for Value City Furniture in 2026
Value City Furniture is classified under MCC 5200 (Home Supply Warehouse Stores). The best card for Value City Furniture purchases is the Lowes (no annual fee), earning 5x on home supply warehouse stores — an effective return of 7.50%.
If you're a frequent shopper at Value City Furniture, knowing that it falls under the Home Supply Warehouse Stores (MCC 5200) category is key because many credit cards offer bonus rewards for this type of spending.
To maximize your rewards, consider using rotating credit cards that offer higher point multipliers during specific months when you plan big purchases at Value City Furniture.
Value City Furniture purchases are classified under MCC 5200 (Home Supply Warehouse Stores).
MCC Details for Value City Furniture
Best Credit Cards for Value City Furniture (2026)
How Value City Furniture Codes on Your Statement
When you pay at Value City Furniture 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, Value City Furniture transactions will qualify — even if your card terms only mention a category name and not Value City Furniture specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Value City Furniture 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 — Value City Furniture
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 Value City Furniture
Spending $200/month at Value City Furniture 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 Value City Furniture merchants, earning $120/year with no annual fee.