What is The Home Depot's MCC Code?
The Home Depot uses MCC 5200 (Home Supply Warehouse Stores). This Merchant Category Code is used by credit card networks to classify transactions at The Home Depot.
When you use your credit card at The Home Depot, the transaction is tagged with MCC 5200. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.
Best Credit Cards for The Home Depot
Citibank Rewards MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only
UOB Visa Signature
4 MPDNot excluded
Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) at The Home Depot:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards at The Home Depot
- Use the card with the highest bonus rate for MCC 5200
- Track monthly caps to avoid missing out on bonus rewards
- Check if contactless vs inserted card affects your rewards rate
- Verify the MCC before making large purchases to ensure bonus eligibility
- Consider having multiple cards to maximize rewards across different spending categories
Related Merchants
These merchants use the same MCC code (5200) as The Home Depot: