Best Credit Card for Williams-Sonoma in 2026
Williams-Sonoma is classified under MCC 5719 (Miscellaneous Home Furnishing Specialty Stores). The best card for Williams-Sonoma purchases is the Active Cash (no annual fee), earning 2x on miscellaneous home furnishing specialty stores — an effective return of 2.00%.
Williams-Sonoma offers high-end kitchenware and home decor items that can be costly. If you enjoy cooking or decorating your home with premium products, this MCC is a great fit for cards offering higher rewards in the 'home furnishings' category.
Maximize your rewards by timing big purchases around the end of your billing cycle when your credit limit is highest and any temporary spending boosts are active on your card.
Spending Math
If you spend $200 monthly at Williams-Sonoma, using a card with flat 2% cash back will earn you $4 each month ($48 annually), while a basic 1% card would only net $2 per month ($24 yearly).
Williams-Sonoma purchases are classified under MCC 5719 (Miscellaneous Home Furnishing Specialty Stores). If you spend frequently here, see our best cards for home.
MCC Details for Williams-Sonoma
Best Credit Cards for Williams-Sonoma (2026)
How Williams-Sonoma Codes on Your Statement
When you pay at Williams-Sonoma at their locations, your card issuer sees MCC 5719 in the transaction data. This code tells your bank that the purchase was made at a miscellaneous home furnishing specialty 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 "miscellaneous home furnishing specialty stores" purchases, Williams-Sonoma transactions will qualify — even if your card terms only mention a category name and not Williams-Sonoma specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Williams-Sonoma 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 5719 qualifies for bonus rewards.
Bonus Category Match — Williams-Sonoma
About MCC 5719: Miscellaneous Home Furnishing Specialty Stores
Merchant Category Code 5719 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Miscellaneous Home Furnishing Specialty Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5719, all qualifying card programs that include miscellaneous home furnishing specialty stores as a bonus category will apply the elevated earn rate.
The Home 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 Miscellaneous Home Furnishing Specialty Stores merchants: At Home, Bed Bath & Beyond, Pier 1 Imports.
What You Could Earn at Williams-Sonoma
Spending $200/month at Williams-Sonoma with the Active Cash (2x on miscellaneous home furnishing specialty stores) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.
Prefer no annual fee? The Signify Business Cash earns 2x at Williams-Sonoma merchants, earning $48/year with no annual fee.