Do Florists Earn a Bonus?
How florists code
A flower shop rings up under a florist retail category code, which is outside the usual bonus buckets like dining and groceries, so most cards earn their base rate. A supermarket floral counter, however, takes on the grocery code, so buying flowers with your groceries can earn a grocery bonus if your card has one. The category logic is in merchant category codes explained.
Online and delivery orders
Ordering from a national florist website or a flower-delivery service usually still codes as a florist, but a general marketplace or gift platform can code as that site instead. Occasional shopping-portal offers reward specific florists around holidays, so it is worth a quick check before a big Valentine’s or Mother’s Day order.
The best card for flowers
With no florist bonus to chase, a strong flat-rate card earns the most, unless you buy flowers at a grocery store on a grocery-bonus card. Value points at a flat 1 cent and see the all-purpose earners in our best cash back cards guide.
Frequently asked questions
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