MCC 5712 · Equipment, Furniture, Home Furnishings Stores · Retail
For MCC 5712 (Equipment, Furniture, Home Furnishings Stores) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 3% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Capital One Venture Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Bank of America Customized Cash Rewards Credit Card
Choice category: Home improvement & furnishings
MCCs listed in the program rules. Business-to-business merchants and wholesale distributors may not qualify. Only one choice category active at a time (default Gas & EV charging); it can be changed once per calendar month via Online/Mobile Banking. BofA Rewards / Preferred Rewards members earn 10%-75% more (e.g. 3% becomes up to 5.25%).
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Active Cash Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.Blue Cash Everyday Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Blue Cash Preferred Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Capital One Savor Cash Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
11.U.S. Bank Cash+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.American Express Gold Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
2.Chase Sapphire Preferred Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Autograph Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
Highlighted merchants use MCC 5712 as their main code. Seen a different code? Report it.
For MCC 5712 (Equipment, Furniture, Home Furnishings Stores) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 3% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
MCC 5712 is the merchant category code for Equipment, Furniture, Home Furnishings Stores (Retail). MCC 5712 covers furniture, home furnishings, and equipment stores, except appliances, selling items such as sofas, beds, tables, and home decor. It is distinct from 5722 (household appliance stores) and 5714 (drapery, window covering, and upholstery stores). Large furniture chains that also sell food or small goods typically still use 5712.
Merchants in the United States seen with MCC 5712 include Aaron's, American Signature Furniture, Amerisleep, Arhaus, Ashley HomeStore, Badcock, Bassett Furniture, BedMart. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.