Do Garden Centers and Nurseries Earn a Bonus?
How garden centers code
A standalone nursery or garden center rings up under a nursery-and-garden-supply category code, outside the usual bonus buckets, so most cards earn their base rate on plants, soil, and tools. The framework is in what is a bonus category.
Home-improvement stores are the exception
If you buy plants and garden supplies at a home-improvement store like Home Depot or Lowe’s, the purchase codes as home improvement, so a card with that bonus earns its higher rate, as covered in home improvement store bonuses. A dedicated nursery down the road, buying the same plants, would earn only the base rate.
The best card for gardening
For a standalone garden center, a strong flat-rate card earns the most; for a home-improvement store, a home-improvement card wins. Run your spending through the rewards calculator to see which card gives the best return across where you actually shop, and compare flat options in best cash back cards.
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