Top 10 Best Furniture Store Credit Cards of December 2022

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Reviewed by Jazmin Castello - MBA
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Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Editor’s Choice

⭐⭐⭐⭐⭐
5 stars

Chase Freedom Flex Card

Chase Freedom Flex Card

Best if you have time to monitor the reward structure

⭐⭐⭐⭐⭐
5 stars

Capital One Quicksilver Cash Rewards Card

Capital One Quicksilver Cash Rewards Card

Excellent flat rate on purchases

⭐⭐⭐⭐⭐
5 stars

As much as acquiring new furniture may sound exciting, you should keep in mind that it can be a hard task. The interesting part is that you can use some of the top store-specific credit cards to make purchases from any offline or online furniture store[1] if you don’t have sufficient cash upfront.

Read more: Best Credit Card

You probably recently transferred to a new location and you want to make relatively larger purchases to furnish your new home. Or, maybe you just want to replace a specific old couch in your house. Whatever the reasons you have for purchasing new furniture, below are some of the best cards that you can use for your offline or online purchases.

Top 10 Furniture Store Credit Cards 2022

Features Of The Best Furniture Store Credit Cards

With this card, you’ll not be charged an annual fee plus you’ll receive several other luxury perks that make it the top of our list for the best furniture store credit cards.

Citi Custom Cash Card-1

Citi Custom Cash Card

  • No annual charges
  • Great intro Annual Percentage Rate (APR)
  • 5% cash back
Chase Freedom Flex Card

Chase Freedom Flex Card

  • No yearly fees
  • Excellent bonus categories
  • Lucrative cash rewards
Capital One Quicksilver Cash Rewards Card

Capital One Quicksilver Cash Rewards Card

  • Great rates for rewards
  • There are no yearly fees
  • Lacks charges on foreign transactions
Citi® Double Cash Card

Citi® Double Cash Card

  • Generous bonuses
  • No yearly fees
  • Intro balance transfer charges
Chase Freedom Unlimited® Card

Chase Freedom Unlimited® Card

  • No yearly fees
  • Wonderful rewards rate
  • Intro Annual Percentage Rate (APR) periods
U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

  • Great bonus categories
  • No annual fees
  • Wonderful rewards rate
The Platinum Card® from American Express

The Platinum Card® from American Express

  • Lounge membership
  • Luxury perks
  • Bonus categories
  • Automatic elite status
Discover it® Cash Back

Discover it® Cash Back

  • No yearly fees
  • Cash rewards
  • Bonus categories
Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

  • Limited flexibility on rewards
  • Relatively higher annual fees
  • No foreign transaction fees
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

  • No foreign transaction fees
  • High rate on rewards
  • No yearly fees
  • Adjustable rewards redemption

10 Best Credit Cards For Purchasing Furnitures 2022

Citi Custom Cash Card

This very popular high cash back[2] store card is super efficient for customers who want lucrative offers for regular spending.

  • No annual charges
  • Great intro Annual Percentage Rate (APR)
  • 5% cash back
  • Relatively lower rates outside the bonus categories
  • You need to have excellent credit

You’ll receive a cash back of $200 once you spend a total of $750 on purchases within the first three months. The bonus will be credited as 20,000 points which are redeemable for $200 cash back.

Besides, the card has a 15 months 0 percent intro Annual Percentage Rate (APR)[3] on purchases and balance transfers. After that, the APR will range between 13.99% and 23.99% based on the worth of your credit.

Another interesting thing is that you’ll receive 5% cash back on any other purchase in your most outstanding category in every billing cycle. This goes up to the initial $500 that you spend. After that the cash back rate reduces to 1%.

It’s important to note that Citi offers only one of these cards per person and there are no annual fees attached to it. 

Also, there are no categories for rotating bonuses that you can register for. This means that your earnings will adjust automatically each time you spend on an eligible category.

Chase Freedom Flex Card

This card is ideal for customers who don’t mind investing some time to monitor its rewards structure. If you want a card that needs no maintenance, you should stay away from this one.

  • No yearly fees
  • Excellent bonus categories
  • Lucrative cash rewards
  • Sophisticated rewards
  • Needs excellent credit

Once you get this card you’ll receive a $200 bonus in case you make purchases worth $500 within the initial 90 days (three months). 

Besides, for each quarter that you activate, you’ll receive 5% cash back with the maximum being $1,500 in bonus category purchases.

Capital One Quicksilver Cash Rewards Card

You’ll receive an excellent flat rate on your furniture purchases. Also, there’s an interest-free period and a welcome offer. However, you can get other cards that have better flat rate benefits.

  • High rates for rewards
  • No yearly fees
  • Lacks foreign transaction charges
  • Lacks bonus categories
  • Needs excellent credit score

With this card you’ll get 1.5% cash back on any furniture purchases. Plus, you won’t get signups or rotating cash back that you need to receive cash rewards. Also, the cash will not expire and there are no higher or lower credit limits to the total amount that you can earn.

Now here’s the real deal! There’s 0% APR on balance transfers and purchases within the initial one year and three months. After that, the Annual Percentage Rate will range between 14.99% and 24.99%. Also, there are no foreign transaction fees or annual fees.

Citi® Double Cash Card

The great rewards program makes up for the lack of welcome offers or a 0% intro Annual Percentage Rate (APR) time for purchases.

  • Incredible rewards
  • No yearly fees
  • Intro balance transfer charges
  • Requires good credit history
  • No bonus offer

This card comes with several credit card rewards. First, you can finance furniture purchases and receive 2% for every transaction you make. Note that you have to pay a minimum due amount within the specified time in order to receive the cash back.

For balance transfers, this store credit card has 0 intro APR for a period of 18 months. After that, the APR will range between 13.99% and 23.99% depending on your credit score. 

Note that balance transfers are not eligible for cash backs and the intro APR doesn’t apply to purchases. There’ll be an interest charged on your purchases in case you make a bank transfer if you don’t clear the minimum required amount before the specified date of every month.

The intro balance transfer charge is 3% of the total transfer for the initial four months (minimum $5). After that the rate increases to 5% (min $5).

Chase Freedom Unlimited® Card

This card has a bonus rewards structure that’s a bit hard to remember. However, it has flexible rewards, an excellent welcome offer and bonus categories that make it stand out among its counterparts.

  • No yearly fees
  • Wonderful rewards rate
  • Intro Annual Percentage Rate (APR) periods
  • Requires an excellent credit score

With this card you’ll receive a $200 bonus after financing furniture purchases of up to $500 for a period of three months after opening your account. It has 5% cash back on grocery stores, up to a maximum of 12,000 in the first year – with the exception of Walmart and Target transactions.

Besides, it has 3% cash back on drugstores and restaurants.  For travel transactions via the Chase Ultimate Rewards, the cash back is 5%. And finally, the card offers an unlimited cash back match of 1.5% on all other purchases.

Another great thing is that there are no transaction fees. Also, the intro APR stands at 0% on account purchases and balance transfers for one year and three months after account opening. After that it ranges between 14.99% and 24.74%.

U.S. Bank Cash+™ Visa Signature® Card

This is an ideal card for rewards fanatics – those who spend quality time to find the biggest return for every buck. It’s a wonderful card for daily transactions, but you have to put in some work.

  • Great bonus categories
  • No annual fees
  • Wonderful rewards rate
  • Sophisticated rewards

You’ll get a $200 bonus after spending $1,000 within 120 days (three months). In addition, you’ll receive cash back at 5% on total eligible purchases every quarter in two categories that you select. 

You’ll get 2% cash back on a single daily category such as restaurants and 1% cash back on every eligible purchase. Another attractive thing is that there are no annual fees.

The purchase and balance transfer APR (Annual Percentage Rate) is 0% for 15 billing cycles. It shoots to between 13.99% and 23.99%.

The Platinum Card® from American

For a fair price, the premium card will give you 5x points on hotel stays and certain flights, several hundreds of dollars for shopping and travel, and top-notch perks for high-end lifestyles.

  • Lounge membership
  • Incredible perks
  • Bonus categories
  • Automatic elite status
  • Available annual fee
  • Sophisticated rewards
  • Requires excellent credit

With this card, you’ll receive 100,000 membership points if you make purchases worth $6,000 or above within the first six months. 

Also, you’ll receive 10x points on all eligible purchases when you Shop Small in the USA or at restaurants globally up to a maximum of $25,000 in combined purchases during the initial six months. Terms and conditions apply.

Discover it® Cash Back

This card has high rewards rates, an excellent 0% APR, and a bonus that could easily become a windfall.

  • No yearly fees
  • Cash rewards
  • Bonus categories
  • Requires excellent credit

This card comes with unlimited cash back. The card matches all your total first year cash back. Besides, it doesn’t have the maximum and minimum spending limits.

In addition, you’ll receive a 5% cashback on Amazon if you use PayPal up to a specific total per quarter. Also, there’s an unlimited 1% automatic cash back on every other purchase. 

The card’s rewards don’t expire and you can redeem cash back at any time. And lastly, there are no annual fees.

Capital One Venture Rewards Credit Card

With this card, you’ll receive two miles for every buck that you spend. Every mile can be exchanged at the rate of one cent per piece for statement credit on any purchases on travel, with no airline cards restrictions.

  • Flexible structure for rewards
  • High bonus rates
  • No foreign transaction fees
  • Limited flexibility on rewards
  • Relatively higher annual fees

You’ll receive 60,000 bonus miles if you make purchases worth $3,000 within three months after opening your account, an equivalent of $600 in travel. Also, you’ll receive unlimited 2x miles on everyday purchases. These miles don’t expire, and you can earn as many as you want.

There are no transaction fees, and you can get any travel purchase reimbursement, or you can book a trip via Capital One Travel. Besides, you can transfer miles to any of the 10+ travel loyalty programs. 

Amazon Prime Rewards Visa Signature Card

This card is ideal for big spenders at Whole Foods or Amazon due to its handsome rewards. However, if you spend more on other retailers, you’ll benefit more if you select a card that rewards you more on online furniture stores.

  • No foreign transaction fees
  • High rate on rewards
  • No yearly fees
  • Adjustable rewards redemption
  • There’s no 0 intro APR
  • You must be a customer

You’ll automatically receive a Gift Card[4] worth $100 from Amazon if you acquire this card. After that, you’ll get 5% back at Whole Foods Market or Amazon if you have the right Prime Membership.

Also there’s 2% back on restaurants and gas stations and another 1% back for any other purchase that you decide to make. Even better, there are no foreign transaction fees or credit card fees.

Can Buying Furniture Help Your Credit?

Like other cards, furniture stores will send a report of your payment history to any top financial institution. Therefore, you have to be keen to protect your reputation at these credit card companies. If you make the minimum required payment within the specified time, you can improve your score on the credit card issuer[5]. Otherwise, you’ll damage your score.

Is it Worth Getting Store Credit Cards?

In some cases, you should not go all-in with store cards. They are a great option if you regularly shop at a specific retailer. However, since they limit your options, you should not consider them everyday options. Besides, furniture store cards usually come with boosted interest rates. 

However, a store card could be a great option if you can comfortably pay your monthly bills. You should also consider having a co-branded or general-purpose card that you can use for any other expenses and get extra benefits. These benefits include:

  1. Purchase protection
  2. No foreign transaction fees
  3. Fraud protection
  4. Great warranty coverage

Final Thoughts

Although you will probably not purchase furniture regularly, you may have to spend large amounts if you do so. For this reason, it makes much more sense to use your credit card when you make these purchases. Furthermore, you can get rewarded for doing so.

Therefore, you should consider getting a furniture store credit card with high perks. Besides, you should ensure that the card has high credit limits and reliable purchase protection. 

An intro APR  period of 0% is a wonderful deal since it lets you evade certain interest fees. It’ll be better if home improvement stores offer the card.

Frequently Asked Questions (FAQs)

What is the best credit card to buy furniture?

The best furniture store credit card that you can use is the Citi Custom Cash Card.

Should I use my credit card to buy furniture?

Yes. By doing so, you’ll put yourself in a position of getting excellent signup bonuses, rewards, and potentially a 0% intro APR.

Should I finance or use a credit card?

This depends on the situation that you’re in. If you can quickly pay off your credit card, you should consider paying the total cost outright. Even in this case, you can take advantage of 0% intro APR promotions while using your rewards card.

What are the best business credit cards to buy furniture?

Some of the best credit cards to purchase furniture include:
Citi Custom Cash? Card
Chase Freedom Flex Card
Capital One Quicksilver Cash Rewards Card
Citi® Double Cash Card
Chase Freedom Unlimited® 
You can quickly go through our top 10 furniture store credit card recommendations if you want other options.

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ABOUT THE AUTHOR

ABOUT THE REVIEWER

Jazmin Castello holds a Master's degree in Business Management, owns two companies, and has also published a self-help book. When she is not working or writing, she likes to spend time with her family and to travel.

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Bizreport Advisor adheres to strict editorial integrity standards avoids using tertiary references. We have strict sourcing guidelines and rely on peer-reviewed studies, academic research. To ensure the accuracy of articles in Bizreport, you can read more about the editorial process here.

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  4. ‌365 Gift Guide. (2020). How Do Amazon Gift Cards Work? [online] Available at: https://365giftguide.com/where-to-buy-amazon-gift-card/#:~:text=An%20Amazon%20gift%20card%20is,%2410%2C000%20in%20a%20single%20day. [Accessed 5 Feb. 2022].
  5. ‌https://www.facebook.com/thebalancecom (2021). What Is a Credit Card Issuer? [online] The Balance. Available at: https://www.thebalance.com/credit-card-issuer-959984 [Accessed 5 Feb. 2022].