Home furnishing brands and companies also release co-branded credit cards. This credit card offers rewards and cash back on purchases made on these brands. As home improvement projects are expensive, these credit cards offer special financing options to card members.

As these credit cards are released by specific retailers, they offer better rewards. Better rewards are usually available on purchasing home brands of retailers. They do not offer great rewards on travel, dining, or grocery purchases. To know the best credit cards for travel and rewards credit cards do read our other posts.

Advantages of the home furnishing credit cards

1. These credit cards usually offer free shipping on orders. There is no limit on the minimum purchase to qualify for free shipping.
2. Credit card members get extra discounts on shopping home brands using these credit cards. For example, ‘Bed, bath, and beyond’ offers 20% off on shopping through their credit card and selecting one of their family brands.
3. Finally, the co-branded credit cards also offer free financing usually from 6 months to 24 months (i.e. 2 years) for purchases through these credit cards. To qualify for these offers, the members need to meet the spending criteria and also need to pay in full within the defined time.

Disadvantages of using home furnishing credit cards

1. Firstly, these credit cards usually carry a high APR as compared to regular rewards cards. These credit cards are issued in partnership with Visa or Master along with an issuing bank. These issuers are usually not the top banks like Chase, Capital One, or American Express. They offer very competitive rates for the APR. 
2. They usually offer maximum rewards in the co-branded stores they are tied with. For, the rest of the purchases they do not offer the best rewards. Rewards or travel credit cards offer much better rewards. For our detailed guide on rewards credit cards and travel credit cards please refer to the links.
3. Finally, these credit cards may put a hard inquiry on a card member’s credit score. So be careful when you are applying for any of these credit cards. These credit cards may also report any missing payment activity promptly to the credit bureau without giving any chance to the member. 

#1 Card Name: Wayfair Credit Card

Fees: This card is available for a charge of $0 in annual fees.

APR: 31.24% variable APR

Rewards: Card members get $40 on the first qualifying purchase of $250+. 

Our Ratings: 3 / 5

Pros and Cons of this card:

Card members get 5% cash back on purchases at Wayfair. Customers also get ZERO financing if they pay up all dues in 24 months. To qualify, they need to make a purchase of a minimum of $2,999. Do check the Wayfair site for financing options. This is a nitty easy feature but it has its drawbacks. If the card member delays the payment, the interest is charged from day one.

Further, the card members also get 3% in rewards for grocery purchases, 2% in rewards shopping online, and 1% for the rest of the purchases. One of the major drawbacks of the rewards dollar collecting on Wayfair cards is that they can be redeemed only on Wayfair.com. Card members will lose access to their reward dollars if they close their credit card accounts. Ensure to redeem all the reward dollars before closing your credit card account with Wayfair.

Wayfair offers two credit cards, one is the Wayfair credit card and another is Mastercard. The Mastercard works like a normal credit card and works everywhere. On the other hand, the Wayfair credit card can be used only in Wayfair stores or their websites.

#2 Card Name: Bed Bath and Beyond Welcome Credit Card

Fees: This card is available for no charges in annual fees

APR: 18.49 – 29.99% variable APR

Rewards: This card offers 1 year of free membership of Welcome Rewards+. The welcome rewards+ membership auto-renews every year for $29. Further, card members can receive $25 or $75 in welcome bonus if they spent $1,000 or $6,000 in the first six months of credit card issuance.

Our Ratings: 3 / 5

Pros and Cons of this card: This card offers the card members 20% off when they shop for “Bed, bath and beyond” brands. They also receive 100 points for every $1 spent on the family of brands. This reward reduces to only 60 points for every $1 spent if the customer doesn’t have the Welcome Rewards+ membership. This card also offers free standard shipping on all orders and 4 times same-day shipping every year for credit card members. Further, the points accrued in the account expire if no shopping is made in 12 months.

Card members also get free financing for 6 months when they spend $250 – $499.99 at Bed, Bath and beyond using this credit card. Finally, this free financing period increases to 12 months on purchases of more than $500+.

#3 Card Name: IKEA Family and Projekt Credit Card

Fees: IKEA offers two credit cards, one is the Ikea Visa credit card and the other is the Ikea Projekt credit card. Further, these cards are available for $0 charges in annual fees.

APR: 21.99% variable APR

Rewards: Card members get $25 off their first IKEA purchase of $25 or more. Though, they have to open and use the IKEA Visa card on the same day. Furthermore, they also get 5% in rewards on purchases in Ikea stores and assembling services.

Our Ratings: 3 / 5

Pros and Cons of this card: IKEA Projekt credit card offers 6, 12, or 24 months of financing. To qualify for these offers the card members have to do $500, $1,000, or $2,500 of purchases on the Projekt credit card. The IKEA Projekt credit card is best suited for purchases in IKEA only.

Further, card members earn 3% back in rewards on dining, grocery stores, and utility purchases on the IKEA Visa Credit Card. They also earn 1% in cash back rewards for all the other purchases on this card. Finally, card members also get enrolled in the Ikea Family Loyalty Program.

#4 Card Name: Pottery Barn Visa Signature

Fees: Pottery Barn Visa Signature card is available for a $0 annual charge from Capital One Bank.

APR:  Standard variable purchase APR of 27.99-29.99%

Rewards: Card members earn 10% back in rewards, for the first 30 days. But 5% thereafter at Pottery Barn, Williams Sonoma, West Elm & more. Alternatively, they can apply for 0% Promo APR financing on purchases above $750.

Our Ratings: 3 / 5

Pros and Cons of this card: They earn 5% rewards on Pottery Barn, Williams Sonoma, and West Elm & More. They can further earn 4% rewards on groceries and dining (except Fast Food). Finally, they can earn 1% in rewards for the rest of the purchases where Visa is accepted.

Card members can redeem rewards at any of the seven brands across the Pottery Barn portfolio. Pottery Barn Visa credit card members get free standard shipping at Williams Sonoma. They also receive a $25 gift card on their birthday for active credit card members. 

#5 Card Name: Home Depot Consumer Credit Card

Home Depot is one of the top Home furnishing brands, in the USA. They have multiple stores and an online website for shoppers. Home Depot has tied up with CitiBank and offers multiple credit cards. They have a Consumer Credit Card, a Project credit card, a Commercial or a Business Credit Card, and a Revolving Commercial Card. 

Fees: This card has $0 in annual fees. But the card members have to pay a cash advance fee of 4% and a foreign transaction fee of 3%.

APR: 17.99% – 26.99% variable APR

Rewards: Card members earn a one-time reward of up to $100 cash reward on making purchases above $1,000. 

Our Rating: 4 / 5

Pros and Cons of this Card:

The Consumer credit card from Home Depot is a good card if you are looking for renovating your home. This card offers 6 months of free financing (0% APR) on all purchases of more than $299 if paid in full in time. Further, on special promotions, this financing will increase to 2 years. Card members get one year to return any product they bought from Home Depot using their Home Depot Consumer Credit Card.

Home Depot also offers Business Credit Cards for Business users. The same is good for small business owners and contractors. They also offer rewards such as 2% cashback if the balance is fully paid. Alternatively, card members can get 60 days to pay dues. Commercial Credit offers the ability to add employees to the Business accounts. 

#6 Card Name: Crate & Barrel Mastercard

Fees: Crate & Barrel offer two credit cards, one of them is the Crate & Barrel Credit Card and the other is the Crate & Barrel Mastercard. Both these credit cards are available for $0 in the annual fee. 

APR:  Standard variable purchase APR of 30.74%

Rewards: Card members earn reward dollars or receive special financing when they shop at Crate & Barrel or their other brands. They can earn 10% back in Reward Dollars on purchases or receive 6 months of special financing on purchases of $749 or more. This free financing can increase to 24 months on purchases above $2,999.

Our Ratings: 2 / 5

Pros and Cons of this card:

Additionally, with the Crate & Barrel Mastercard card members can earn 2% back in Reward Dollars on grocery store purchases. They can also earn 1% back in Reward Dollars on every other purchase. The Crate & Barrel Mastercard also offers global service, airport concierge, and ID theft protection.