Merchants • Retail

Best Credit Cards for Home Hardware

Among the cards CardTruth has reviewed, the CIBC Aeroplan Visa Infinite Privilege Card earns the most at Home Hardware: 1.25x points, worth ≈2.5% of what you spend. Compare the top two →

Cards accepted

In store
Visa and Mastercard
Online
Visa and Mastercard

Visa is accepted chain-wide (Scotiabank issues a Home Hardware PRO Visa); American Express acceptance isn't confirmed and may vary by dealer.

How purchases code (MCC)

  • 5251Hardware storesVaries

    Dealer-owned stores choose their own processors; most code as hardware stores, and building centres can code as lumber and building materials (5211).

  • 5211Lumber and building materials storesVaries

    Home Building Centre and Home Hardware Building Centre locations may code as lumber and building materials.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified November 2026.

Personal cards accepted in store

  1. CIBC Aeroplan Visa Infinite PrivilegeBase rate
    ≈2.5%1.25x points
  2. TD Aeroplan PrivilegeBase rate
    ≈2.5%1.25x points
  3. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  4. CIBC Aeroplan Visa InfiniteBase rate
    ≈2%1x points
  5. Rogers RedBase rate · Spending cap applies
    2%2% back
Show all 79 personal cardsShow fewer
  1. Rogers Red World EliteBase rate · Spending cap applies
    2%2% back
  2. Rogers Red World LegendBase rate
    2%2% back
  3. Rogers Red WorldBase rate · Spending cap applies
    2%2% back
  4. TD Aeroplan InfiniteBase rate
    ≈2%1x points
  5. WS Visa Infinite+Base rate
    2%2% back
  6. WS Visa Infinite PrivilegeBase rate
    2%2% back
  7. RBC Avion InfiniteBase rate
    ≈1.8%1x points
  8. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  9. BMO VIPorter World EliteBase rate
    ≈1.5%1x points
  10. RBC British AirwaysBase rate
    ≈1.5%1x points
  11. WestJet World EliteBase rate
    ≈1.5%1.5x points
  12. CIBC Aeroplan VisaBase rate
    ≈1.34%0.67x points
  13. CIBC Aeroplan Visa (Student)Base rate
    ≈1.34%0.67x points
  14. TD Aeroplan PlatinumBase rate
    ≈1.34%0.67x points
  15. CIBC Aventura Visa Infinite PrivilegeBase rate
    ≈1.25%1.25x points
  16. Amazon.ca RewardsBase rate
    1%1% back
  17. BMO CashBack World EliteBase rate
    1%1% back
  18. CIBC Aventura Gold VisaBase rate
    ≈1%1x points
  19. CIBC Aventura Visa InfiniteBase rate
    ≈1%1x points
  20. CIBC Costco MastercardBase rate
    1%1% back
  21. CIBC Dividend Platinum VisaBase rate
    1%1% back
  22. CIBC Dividend Visa InfiniteBase rate
    1%1% back
  23. MBNA Platinum PlusBase rate
    ≈1%1x points
  24. MBNA World EliteBase rate
    ≈1%1x points
  25. PC Insiders World Elite MastercardBase rate
    1%1% back
  26. PC MastercardBase rate
    1%1% back
  27. PC World Elite MastercardBase rate
    1%1% back
  28. PC World MastercardBase rate
    1%1% back
  29. RBC Cash Back PreferredBase rate
    1%1% back
  30. Momentum VisaBase rate
    1%1% back
  31. Momentum Visa (Student)Base rate
    1%1% back
  32. Momentum Infinite+Base rate
    1%1% back
  33. Scotia Passport PrivilegeBase rate
    ≈1%1x points
  34. Scotia Passport Infinite+Base rate
    ≈1%1x points
  35. Scotia Scene+ VisaBase rate
    ≈1%1x points
  36. Scotia Scene+ Visa (Student)Base rate
    ≈1%1x points
  37. ScotiaGold PassportBase rate
    ≈1%1x points
  38. Tangerine Rewards World EliteBase rate
    ≈1%1x points
  39. TD Cash Back InfiniteBase rate
    1%1% back
  40. TD First Class TravelBase rate
    ≈1%2x points
  41. Triangle World EliteBase rate
    1%1% back
  42. WestJet RBC MCBase rate
    ≈1%1x points
  43. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  44. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  45. moi RBC VisaBase rate
    ≈0.8%1x points
  46. BMO VIPorter MastercardBase rate
    ≈0.75%0.5x points
  47. TD Platinum TravelBase rate
    ≈0.75%1.5x points
  48. RBC IONBase rate
    ≈0.71%1x points
  49. RBC ION+Base rate
    ≈0.71%1x points
  50. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  51. BMO Ascend World EliteBase rate
    ≈0.67%1x points
  52. BMO Blue Rewards World EliteBase rate
    ≈0.67%1x points
  53. BMO eclipse Visa InfiniteBase rate
    ≈0.67%1x points
  54. BMO eclipse Visa Infinite PrivilegeBase rate
    ≈0.67%1x points
  55. More Rewards InfiniteBase rate
    ≈0.6%4x points
  56. BMO CashBack MastercardBase rate
    0.5%0.5% back
  57. CIBC Aventura VisaBase rate
    ≈0.5%0.5x points
  58. CIBC Aventura Visa (Student)Base rate
    ≈0.5%0.5x points
  59. CIBC Dividend VisaBase rate
    0.5%0.5% back
  60. CIBC Dividend Visa (Student)Base rate
    0.5%0.5% back
  61. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  62. RBC Cash Back MCBase rate
    0.5%0.5% back
  63. Momentum MastercardBase rate
    0.5%0.5% back
  64. Momentum No-Fee VisaBase rate
    0.5%0.5% back
  65. Momentum No-Fee (Student)Base rate
    0.5%0.5% back
  66. BMO CashBack Mastercard (Student)Base rate
    0.5%0.5% back
  67. Tangerine Money-BackBase rate
    0.5%0.5% back
  68. Tangerine Money-Back WorldBase rate
    0.5%0.5% back
  69. TD Cash Back VisaBase rate
    0.5%0.5% back
  70. TD Rewards VisaBase rate
    ≈0.5%1x points
  71. Triangle MastercardBase rate
    0.5%0.5% back
  72. More Rewards VisaBase rate
    ≈0.45%3x points
  73. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points
  74. BMO eclipse rise VisaBase rate
    ≈0.34%0.5x points

Business cards

  1. RBC Avion VI BusinessBase rate · Spending cap applies
    ≈2.25%1.25x points
  2. CIBC Aeroplan BusinessBase rate
    ≈2%1x points
  3. CIBC Aeroplan Business PlusBase rate
    ≈2%1x points
Show all 22 business cardsShow fewer
  1. Rogers Red BusinessBase rate
    2%2% back
  2. TD Aeroplan BusinessBase rate
    ≈2%1x points
  3. RBC Avion BusinessBase rate
    ≈1.8%1x points
  4. Scotia Passport BusinessBase rate
    ≈1.5%1.5x points
  5. WestJet RBC BusinessBase rate
    ≈1.5%1.5x points
  6. BMO Ascend WE BusinessBase rate
    ≈1%1.5x points
  7. CIBC Aventura BusinessBase rate
    ≈1%1x points
  8. CIBC Aventura Business PlusBase rate
    ≈1%1x points
  9. CIBC Costco BusinessBase rate
    1%1% back
  10. RBC Business Cash BackBase rate · Spending cap applies
    1%1% back
  11. Scotia Home Hardware PRONamed in the card's terms
    ≈1%1x points
  12. Scotia Momentum Business No-FeeBase rate
    1%1% back
  13. Scotia Momentum BusinessBase rate
    1%1% back
  14. TD Business TravelBase rate
    ≈1%2x points
  15. BMO Blue Rewards WE BusinessBase rate
    ≈0.84%1.25x points
  16. BMO CashBack BusinessBase rate
    0.75%0.75% back
  17. BMO Ascend BusinessBase rate
    ≈0.67%1x points
  18. BMO Blue Rewards BusinessBase rate
    ≈0.67%1x points
  19. TD Business Cash BackBase rate
    0.5%0.5% back

American Express cards aren't accepted at Home Hardware, so they're not listed.

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.