11 Best Credit Cards for Buying Furniture [2021]

Couple selecting fabric at furniture store 1

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Buying furniture can be a daunting task, especially if you plan on spending a substantial amount of money and are investing time into research.

And luckily, your home improvement endeavor doesn’t have to include an additional layer of researching each credit card out there, because here, you’ll find the best cards to put your furniture purchases on.

So whether you’re looking for a credit card that offers attractive rewards, a longer 0% financing period, or a large spending limit, we’ve got the inside scoop.

Before we do that, though, let’s take a look at what features of a credit card you should be focusing on.

What To Look for in a Credit Card for Buying Furniture

Generally, when you make a large purchase, you should focus on getting good purchase protection because not doing so can mean the difference between losing out on thousands of dollars without any consumer protections and breathing a sigh of relief when you realize that your credit card has you covered.

Additionally, you’ll want to earn as many points as possible — there are a few credit cards that offer bonus cash-back specifically at home improvement stores or department stores where you can purchase furniture, but there aren’t a whole lot of credit cards with lucrative points structures.

That’s why one of the biggest focuses of the rewards aspect is to use a credit card that offers generous rewards on all purchases, as opposed to just home improvement and/or furniture.

And lastly, one of the most important factors is to be able to access a high credit limit; alternatively, you can focus on putting your spending on a card with no preset spending limit so you don’t even have to worry about a credit limit.

Let’s talk about the best personal credit cards for buying furniture!

The 6 Best Personal Credit Cards for Buying Furniture

Couple mattress shopping
You can earn up to 5% back on your personal furniture purchases. Image Credit: Nomad_Soul via Adobe Stock

1. Citi Custom Cash℠ Card

Our favorite credit card for buying furniture is one of the newest entrants to the credit card scene: the Citi Custom Cash card.

At first glance, you might not think that there’s anything particularly special about this card, but we are writing to convince you otherwise!

To be specific, the Citi Custom Cash card is definitively the best credit card to put small furniture purchases on. We’ll get into that soon.

Let’s start off with the generous welcome bonus offered — Citi doesn’t usually offer welcome bonuses on no-annual-fee credit cards, so this is a much-appreciated mix-up. On top of that, you’ll be able to access a 0% introductory APR on both balance transfers and purchases. Regular APR, as shown in the table above, will apply after the introductory period.

Then, you’ll earn a whopping 5% cash-back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent). You’ll then earn 1% cash-back after that, as well as an unlimited 1% cash-back on all other purchases.

But let’s dissect that 5% cash-back benefit. If you study it closely, you’ll find that there’s an incredible list of eligible categories:

So you can make up to $500 in purchases at home improvement stores every month to max out the 5% cash-back, which would net you 2,500 ThankYou Points.

The Citi Custom Cash card also offers zero fraud liability, a free FICO credit score, access to Citi Entertainment, and more.

Why We Like Earning Citi ThankYou Rewards Points

When you put your spending on the Citi Custom Cash card, your rewards are earned in the form of ThankYou Points.

By itself, the Citi Custom Cash card’s rewards can only be redeemed for direct deposit, statement credits, checks, gift cards, travel, and Shop with Points at Amazon.

But if you couple the Citi Custom Cash card with a card like the Citi Premier® Card, you can unlock the world of Citi ThankYou Rewards. Simply put, you can transfer your points to travel partners and book some amazing flights for top-notch value.

According to our valuations, Citi ThankYou Points are worth around 1.6 cents each, transforming your 5% cash-back to an 8% return on spending with a ThankYou Rewards credit card!

2. Citi® Double Cash Card

Our runner-up credit card is another Citi credit card: the Double Cash card. With this underrated credit card, you’ll earn 2% cash-back (1% at the time of purchase and another 1% when you pay it off) with no caps!

That means you will earn 2% cash-back on all purchases — but what’s even better is that the rewards you earn can be converted to ThankYou Rewards Points if you have the Citi Premier card.

That means your 2% cash-back will be equivalent to 2x ThankYou Points, which is equal to a 3.2% return on spending!

There’s no sign-up bonus on this credit card, but there is an introductory 0% APR offer, as well as flexible pay dates, a late fee pass, access to Citi Private Pass for event tickets, zero fraud liability, fraud alerts, and more.

Hot Tip: Buying your furniture online? Cash-back websites like Rakuten can help you earn even more on your purchase!

3. Chase Freedom Unlimited® Card

The Freedom Unlimited card is our favorite credit card for everyday purchases due to its generous rewards structure and the ability to convert rewards to Ultimate Rewards points with the right credit card pairing.

Your purchases will earn cash-back according to this structure:

  • 5% cash-back on travel purchased through the Chase travel portal
  • 5% cash-back on Lyft purchases through March 2022
  • 3% cash-back on dining purchases
  • 3% cash-back on drugstore purchases
  • 1.5% cash-back on all other purchases

Your furniture purchases would fall into the 1.5% cash-back category. But, to entice you even more, you can convert your cash-back to Ultimate Rewards points if you have any of the following Ultimate Rewards credit cards: Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Ink Business Preferred® Credit Card.

If you have any of these Ultimate Rewards cards, your 5%, 3%, and 1.5% cash-back can be converted to 5x, 3x, and 1.5x Ultimate Rewards points, respectively. That would double your rewards on furniture purchases to a value of 3%, instead of 1.5%!

Even more, the Freedom Unlimited card has a 0% introductory APR period for purchases and balance transfers. Regular APR, as shown in the table above, will apply after the introductory period.

You’ll even enjoy purchase protection, extended warranty, secondary rental car insurance, fraud protection, and zero liability protection.

Why We Like Earning Chase Ultimate Rewards Points

With the Freedom Unlimited card alone, your redemptions are worth a flat 1 cent per point, regardless of whether you use them for cash-back, Shop at Amazon, gift cards, or for bookings made through the Chase travel portal.

With an Ultimate Rewards card like the Chase Sapphire Preferred card, you’ll open up a new world of possibilities, including transfer partners that you can use for luxury flights and hotels.

4. Capital One Venture Rewards Card

The CapOne Venture card is our next-best option, and it happens to be our favorite Capital One personal credit card. As Capital One’s flagship credit card, the CapOne Venture card has a lot going for it.

You’ll earn unlimited 2x Capital One miles without any caps on all purchases you make.

You’ll also be able to make use of the $100 Global Entry/TSA PreCheck fee credit and travel insurance. The protections include secondary car rental insurance, lost luggage insurance, travel accident insurance, roadside dispatch, travel assistance, purchase security, extended warranty, zero fraud liability, and more.

Why We Like Earning Capital One Miles

Capital One Miles is one of the few transferable rewards programs. You can use your Capital One miles for statement credits, travel purchases through Capital One Travel, experiences, gift cards, merchandise, and more.

But the best way to use your miles is to leverage transfer partners for premium cabin flights like SWISS Air business class and ANA first class.

Just remember that Capital One’s transfer ratios will depend on the transfer partner. Some are 1:1, while others are 2:1.5 or 2:1, so keep that in mind.

We value Capital One miles at around 1.4 cents each, so earning 2x Capital One miles is equal to a 2.8% return on spend.

5. U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+ Signature card is one of the rare cards offering cash-back rewards on categories you select.

Currently, you can earn 5% cash-back on your chosen 2 categories (up to $2,000 per quarter) from this list:

  • Cell phone providers
  • Department stores
  • Electronics stores
  • Fast food
  • Furniture stores
  • Ground transportation
  • Gyms/fitness centers
  • Home utilities
  • Movie theaters
  • Select clothing stores
  • Sporting goods stores
  • TV, internet, and streaming services

As you can see, purchases at furniture stores and departure stores are covered, so if you maxed out the $2,000 per quarter in furniture stores, you would get 5% cash-back, equal to $100 every quarter.

You’ll also get 2% cash-back on 1 of these categories:

  • Gas stations
  • Grocery stores
  • Restaurants

Lastly, earn 1% cash-back on all other purchases.

You can redeem your rewards for direct deposit to a U.S. Bank checking or savings account, statement credits, or gift cards.

6. The Platinum Card® from American Express

Our last card recommendation is the Amex Platinum card. This card is an especially good fit for you if you need:

  1. High spending power
  2. Luxury travel benefits
  3. Ultra-premium rewards

You will earn up to 5x points as follows:

  • 5x points per $1 spent on flights purchased directly with the airline or at Amex Travel (up to $500,000 per year)
  • 5x points per $1 spent on prepaid hotels booked with Amex Travel
  • 1x points per $1 everywhere else

When you have the Amex Platinum card, you’ll enjoy these phenomenal travel benefits. Note that terms apply and some benefits require enrollment through your American Express account.

Even more, you’ll get $240 digital entertainment credit, $200 in Uber Cash, $300 in Equinox credits, $100 in Saks Fifth Avenue credits (distributed as 2 $50 statement credits), $179 CLEAR credit, and cell phone protection insurance. You’ll also get purchase protection, extended warranty coverage, zero fraud liability, and no foreign transaction fees.

Why We Like Earning Amex Membership Rewards Points

The points you earn with the Amex Platinum card are called Amex Membership Rewards points.

In our eyes, Amex points are the most valuable transferable rewards points. They’re most valuable when you transfer them to airline and hotel partners for aspirational flights like Emirates first class or Lufthansa first class.

You can also use your points for gift cards, Amex Travel bookings, Amazon purchases, statement credits, and charity, but you’ll almost always get poor value.

Hot Tip: If you plan to purchase furniture from Walmart, or Amazon and use their branded credit cards, you could earn up to 5% cash-back. If you’re shopping at Target or Lowe’s with their branded credit cards, you can receive a 5% discount on your purchase. Other store-specific credit cards, like those offered by Ashley Furniture HomeStore, Costco, The Home Depot, JCPenney, Sam’s Club, and Sears, and may offer special financing but not as much cash-back (if any) as other cards mentioned on our list.

The 5 Best Business Credit Cards for Buying Furniture

Furniture design and planning
If your business is working with a furniture designer or planner, make sure you’re maximizing your return on those expenses. Image Credit: Austin Distel via Unsplash

What if you’re regularly making furniture purchases for your business and want to separate personal from business expenses?

Well, we’ve got you covered with this next section!

1. The Business Platinum Card® from American Express

Our best business card for making furniture purchases is the Amex Business Platinum card, which is the undisputed leader of ultra-premium business cards.

This card is, in particular, the best card to use for high-ticket furniture purchases. We believe this card is the best choice thanks to the large purchase bonus, which gets you 50% bonus Membership Rewards points on large purchases of $5,000 or more (up to 1 million additional points per year).

Simply put, if you make big furniture purchases of $5,000 or more, you’ll get 1.5x points per dollar, equivalent to a 3% return on spend.

You’ll earn 5x points per $1 spent on flights and prepaid hotels booked on Amex Travel, as well as 1x points per $1 spent on all other purchases.

The Amex Business Platinum card also offers a long list of travel benefits. Terms apply and enrollment may be required through your American Express account.

  • A 35% Pay With Points rebate (up to 500,000 points per calendar year)
  • $179 in CLEAR credits
  • $100 in Global Entry/TSA PreCheck credits
  • Access to the American Express Global Lounge Collection
  • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status
  • Access to the Amex International Airline Program
  • Complimentary rental car elite status with Avis, Hertz, and National
  • Access to Amex Fine Hotels & Resorts and The Hotel Collection
  • Travel coverages like secondary rental car coverage, baggage insurance, and travel accident insurance

The main difference between the consumer Amex Platinum card and the Amex Business Platinum card is in the lifestyle benefits, annual fee, and the large purchase bonus.

The biggest lifestyle perk you’ll get is up to $200 in statement credits towards U.S. Dell purchases.

Hot Tip: Don’t forget to check Amex Offers before making your purchase to see if you have money-saving offers with any furniture retailers!

2. The Blue Business® Plus Credit Card from American Express

The Amex Blue Business Plus card could be the best business credit card for your furniture purchases, as long as you don’t routinely spend more than $50,000 per calendar year.

If you hold this card, you will earn 2x Amex points per $1 spent on everyday business purchases with a maximum of $50,000 per calendar year. Once you’ve hit the spending cap, you’ll earn 1x on all purchases.

So by maxing out the $50,000 per calendar year of purchases, you’ll end up with 100,000 Amex points!

This card offers employee cards at no additional cost, purchase protection, extended warranty, and coveted access to the Amex Membership Rewards program (see rates and fees).

3. Ink Business Unlimited® Credit Card

As our favorite Chase business credit card for furniture purchases, you’ll have a blast earning on this card.

You’ll first earn a huge welcome bonus, as well as 1.5% cash-back on all business purchases without any caps.

That’s equivalent to a 3% return on spending if you have an Ultimate Rewards credit card like the Ink Business Preferred card, Chase Sapphire Preferred card, or Chase Sapphire Reserve card.

Then, you’ll take advantage of the purchase protection, extended warranty, fraud alerts, zero liability for unauthorized purchases, primary car rental insurance, and employee cards at no additional cost.

4. Ink Business Cash® Credit Card

The Ink Business Cash card is a fantastic credit card if you’re making furniture purchases at office supply stores — but let’s be specific.

After you earn a great welcome bonus, you’ll earn up to 5% cash-back in rewards that can be converted to Ultimate Rewards points at a 1% to 1x ratio:

  • 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash-back on all other purchases

Your return on spending could be around 10% if you convert your 5%, 2%, and 1% cash-back to 5x, 2x, and 1x Ultimate Rewards points, respectively! To do that, you’ll need an Ultimate Rewards credit card like the Ink Business Preferred card.

So if you happen to spend a lot of money on furniture purchased at office supply stores, then this card would be the best option for you. As the icing on the cake, you’ll even get a 0% introductory APR promotion! Regular APR, as shown above, will apply after the introductory period.

Other perks consist of primary rental car coverage when renting for business, purchase protection, extended warranty, roadside dispatch, and no-cost employee cards.

5. Capital One® Spark® Miles for Business

This credit card is Capital One’s flagship business credit card, which we ought to talk about.

The CapOne Spark Miles card earns 2x Capital One miles on all purchases, regardless of category.

Next, you’ll get 5x Capital One miles earned on hotel and rental car bookings through Capital One Travel.

Just like the CapOne Venture card above, you can transfer your Capital One miles to travel partners for luxury vacations, making your 2x miles per $1 earned worth a return on spending of 2.8%.

This card entitles you to purchase protection, extended warranty, zero liability for unauthorized purchases, a $100 Global Entry/TSA PreCheck application fee reimbursement, roadside assistance, no-additional-cost employee cards, and no foreign transaction fees.

Final Thoughts

Furniture is probably one of the largest purchases you will make — these purchases may not come around often, but when they do, you can expect them to be very hefty.

These purchases are some of those big-ticket items where it just makes so much sense to put them on a credit card. You’ll get tons of rewards by doing so!

In most situations, you’ll want to get a credit card that offers the best rewards on everyday purchases. In addition, be sure to check that these cards have solid purchase protection and offer high credit limits.

A 0% introductory APR period can be an attractive bonus to help you avoid interest fees, as well as using a card that offers big rewards for shopping at home improvement stores (assuming you’re purchasing at a store that’s classified as a home improvement store).

Regardless, we hope you enjoyed our favorite credit cards to use for your next big furniture purchase!

The information regarding the Chase Freedom Unlimited® Card, Capital One Venture Rewards Card, U.S. Bank Cash+™ Visa Signature® Card, and Capital One® Spark® Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.

Frequently asked questions

What is the best credit card to buy furniture?

The best personal credit cards to buy furniture, in our opinion are the Citi Custom Cash Card, the Double Cash Card, the Freedom Unlimited card, the CapOne Venture card, the U.S. Bank Cash+ Signature card, and the Amex Platinum card.

Should I use my credit card to buy furniture?

If you have the means to, then you should absolutely use a credit card to buy furniture! You can rack up lots of rewards, get sign-up bonuses, and potentially even access a 0% introductory APR promotion, too.

Should I finance or use credit card?

It depends, but if you have the ability to pay off your credit card quickly, you should consider paying for your furniture outright. Even then, you can use a rewards credit card to make the purchase and then utilize the 0% APR promotions, all while racking up thousands of points.

What are the best business credit cards to buy furniture?

If you regularly buy furniture for your business, you’ll find that the best business cards are the Amex Business Platinum card, the Amex Blue Business Plus card, the Ink Business Unlimited card, the Ink Business Cash card, and the CapOne Spark Miles card.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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