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12 Best Credit Cards for Buying Furniture [2023]

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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.

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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 7 Best Personal Cards for Buying Furniture

Card Summary

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CardWelcome Bonus and Annual FeeBenefits for Buying Furniture
Citi Custom Cash® Card
  • Earn $200 cash-back after you spend $1,500 on purchases in the first 6 months of account opening.
  • Annual fee of $0
5% cash-back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent)
Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0
2% cash-back on every purchase with unlimited 1% when you buy, plus an additional 1% as you pay for those purchases (earned as ThankYou Points)
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual fee of $0
  • 1.5% cash-back on all non-bonus purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)
2x miles on all non-bonus purchases
U.S. Bank Cash+® Visa Signature® Card
  • Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days.
  • Annual fee of $0
5% cash-back on 2 categories of your choosing (up to $2,000 in combined purchases per quarter)
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • 1x points on all non-bonus purchases
  • No preset spending limit
  • Immense luxury travel benefits
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (rates & fees)
3% cash-back at U.S. online retailers, including furniture stores (up to $6,000 in purchases yearly)

1. Citi Custom Cash Card (Best for Cash-back on Category Spend)

Citi Custom Cash® Card

Citi Custom Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

Learn More(at our partner's secure site)

Citi Custom Cash® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Custom Cash® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Pros

  • 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
  • No annual fee
  • Multiple redemption options
  • No redemption minimums

Cons

  • Your 5% category is limited to $500 in spend ($25 in cash-back) each month
  • Not particularly rewarding for any purchases outside of your top 5% cash-back category
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Financial Snapshot

  • APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
  • Foreign Transaction Fees: 3%

Card Categories

Our favorite credit card for buying furniture is one of the newer 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 change-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:

  • Drugstores
  • Fitness clubs
  • Gas stations
  • Grocery stores
  • Home improvement stores
  • Live entertainment
  • Restaurants
  • Select streaming services
  • Select transit
  • Select travel

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 complimentary 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. Double Cash Card (Best for Cash-back on Every Purchase)

Citi Double Cash® Card

Citi Double Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros

  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Cons

  • No bonus categories
  • 3% foreign transaction fees
  • Lack of premium travel benefits
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

  • APR: 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

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 1% when you pay it off, earned as ThankYou Points) with no caps!

That means you will earn 2% on all purchases, which is equal to a 3.2% return on spending!

On its own, the Double Cash card transfer to Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio, but paired with a premium card like the Citi Premier card, you’ll have access to all of Citi’s airline and hotel partners at the best transfer ratios.

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

3. Freedom Unlimited Card (Best for Cash-back & Intro APR)

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Ultimate Rewards
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

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 2025
  • 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®, 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 the Chase transfer partners that you can use for luxury flights and hotels. These redemptions allow you to get upwards of 10 cents per point of value!

4. Capital One Venture Card (Best for Earning Miles)

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

The Capital One Venture card is our next-best option, and it happens to be one of our favorite Capital One personal credit cards. As Capital One’s premium, mid-market credit card, the Capital One 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 Global Entry or TSA PreCheck fee credit and travel insurance. You can also access Capital One Lounges or Plaza Premium Lounges twice per year with this card.

The protections include secondary car rental insurance, lost luggage 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. Most are 1:1, while a couple are 2:1.5 or 2:1, so keep that in mind.

We value Capital One miles at around 1.8 cents each, so earning 2x Capital One miles is equal to a 3.6% return on spend.

5. U.S. Bank Cash+ Signature Card (Best for Cash-back on Multi-category Spend)

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+® Visa Signature® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros

  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
  • 1% cash-back on all other purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles; after that, a variable APR currently19.49 – 29.49%
  • No annual fee

Cons

  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.74 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.

Financial Snapshot

  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Card Categories

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 gas and EV charging stations, grocery stores, or restaurants and 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. Amex Platinum Card (Best for No Preset Limit & Premium Benefits)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with American Express Travel
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Our next card recommendation is the Amex Platinum card. It’s 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 on flights purchased directly with the airline or at AmexTravel.com (up to $500,000 per year)
  • 5x points on prepaid hotels booked with AmexTravel.com
  • 1x points everywhere else

When you have the Amex Platinum card, you’ll enjoy these phenomenal travel benefits (note that some benefits require enrollment through your American Express account):

Even more, you’ll get over $1,400 in statement credits, including up to $200 airline fee credit, up to $200 prepaid hotel credit, up to $240 in digital entertainment credits, up to $200 annually in Uber Cash towards rides or Eats orders in the U.S., $300 in Equinox credits, $100 in Saks Fifth Avenue credits (distributed as 2 $50 statement credits), $189 CLEAR Plus credit, a $12.95 monthly Walmart+ credit, and cell phone protection insurance.

Of course, you’ll enjoy purchase protection, extended warranty, excellent travel insurance, and no foreign transaction fees (rates & 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 use the Amex transfer partners for aspirational flights like Emirates first class or Lufthansa first class.

You can also use your points for gift cards, AmexTravel.com 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 may offer special financing but not as much cash-back (if any) as other cards mentioned on our list.

7. Amex Blue Cash Everyday Card (Best for Cash-back at U.S. Online Retailers)

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Everyday® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

Cons

  • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

The Amex Blue Cash Everyday card is a great option if you’re planning to purchase furniture online. That’s because this card earns 3% cash-back at U.S. online retailers, up to $6,000 in purchases each year.

While you might not initially think about buying furniture online, many popular retailers like Wayfair.com have made it easy.

In addition, this card also comes with the following benefits:

  • 3% cash-back at U.S. supermarkets (up to $6,000 in purchases each year)
  • 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year)

It even comes with up to $22 per month in statement credits:

The 5 Best Business Cards for Buying Furniture

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!

Card Summary

SCROLL FOR MORE
CardWelcome Bonus and Annual FeeBenefits for Buying Furniture
The Business Platinum Card® from American Express
  • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695 (rates & fees)
  • 1.5x points on large purchases of $5,000 or more (terms apply)
  • No preset spending limit
  • Luxury travel benefits, including airport lounge access
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Annual fee of $0 (rates & fees)
2x points on all business purchases (up to $50,000 per calendar year)
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 1.5% cash-back on all purchases
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Ink Business Cash® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
5% cash-back at office supply stores and on internet, cable, and phone services (up to $25,000 in combined purchases each account anniversary year)
Capital One Spark Miles for Business
  • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Annual fee of $0 intro for the first year, $95 after that
2x miles per dollar spent on all purchases

1. Amex Business Platinum Card (Best for Points on Large Purchases & No Preset Spending Limit)

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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 1.5x points on eligible purchases in these categories (up to $2 million of these purchases per calendar year):

  • U.S. construction material & hardware suppliers
  • U.S. electronic goods retailers
  • U.S. software and cloud system providers
  • U.S. shipping providers
  • Purchases of $5,000 or more everywhere else

Getting 1.5x points per dollar is equivalent to a 3% return on spend.

You’ll also earn 5x points on flights and prepaid hotels booked on AmexTravel.com, as well as 1x points on all other purchases.

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

  • A 35% Pay With Points rebate (up to 1,000,000 in points back per calendar year)
  • $189 in CLEAR Plus credits every year
  • Global Entry or TSA PreCheck application fee credit every 4 years
  • Access to the American Express Global Lounge Collection
  • Access to the Amex International Airline Program
  • Access to Amex Fine Hotels & Resorts and The Hotel Collection
  • Travel coverages like secondary rental car coverage, baggage insurance, and travel accident insurance

The biggest lifestyle perk you’ll get is up to $400 in statement credits toward U.S. Dell purchases. You’ll also get up to $360 in Indeed credits, up to $150 in Adobe credits, and up to $120 in wireless credits.

Lastly, enjoy purchase protection, extended warranty, cell phone insurance, no foreign transaction fees (rates & fees), and no preset spending limit.

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. Amex Blue Business Plus Card (Best for Points on All Purchase)

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

The Blue Business® Plus Credit Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost

Cons

  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

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 points 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 points!

This card offers employee cards at no additional cost and coveted access to the Amex Membership Rewards program (rates & fees). You’ll even find purchase protection, extended warranty, and secondary rental car coverage.

3. Ink Business Unlimited Card (Best for Cash-back & Intro APR)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

As our favorite Chase business credit card for furniture purchases, you’ll have a blast earning on the Ink Business Unlimited 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 Card (Best for Cash-back at Office Supply Stores)

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$750
$750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

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 Card (Best for Miles on Every Purchase)

Capital One Spark Miles for Business

Capital One Spark Miles for Business

U.P. Rating
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The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros

  • Unlimited 2x miles per $1 spent on all purchases
  • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
  • 2 complimentary visits to a Capital One Lounge per year
  • Up to a $100 Global Entry or TSA PreCheck credit
  • Access to Capital One transfer partners
  • No foreign transaction fees
  • Free employee cards
  • Extended warranty coverage

 

Cons

  • Annual fee: $0 intro for the first year, $95 after that

 

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Financial Snapshot

  • APR: 26.24% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The Capital One 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 Capital One Venture card above, you can transfer your Capital One miles to travel partners for luxury vacations, making your 2x miles earned worth a return on spending of 3.6%.

This card entitles you to purchase protection, extended warranty, zero liability for unauthorized purchases, a Global Entry or 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!

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the extended warranty and purchase protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. 

For the extended warranty and purchase protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. 

For the extended warranty and purchase protection benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the car rental collision damage coverage benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. 

The information regarding the U.S. Bank Cash+® Visa Signature® Card 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 Blue Cash Everyday® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
Information regarding the 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 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 Capital One Venture card, the U.S. Bank Cash+ Signature card, the Amex Platinum card, and the Amex Blue Cash Everyday 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 Capital One Spark Miles card.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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