12 Best Credit Cards for Buying Furniture [2024]

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 7 Best Personal Cards for Buying Furniture

Card Summary

Card	Welcome Bonus and Annual Fee	Benefits 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)

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

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:

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!

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

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!

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

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!

Capital One Venture Card (Best for Earning 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.

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

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:

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.

Amex Platinum Card (Best for No Preset Limit & Premium Benefits)

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):

• Access to the American Express Global Lounge Collection (the best lounge access of any card, including Centurion Lounges, Delta Sky Clubs when flying Delta the same day, Escape Lounges — The Centurion Studio Partner, International American Express Centurion Lounges, select Virgin Clubhouses, select Lufthansa Lounges when flying Lufthansa the same day, Plaza Premium Lounges, and Priority Pass lounges)
• Access to Amex Fine Hotels & Resorts and The Hotel Collection
• Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status
• Access to the Amex International Airline Program
• Complimentary rental car elite status and/or benefits with Avis, Hertz, and National
• Global Entry or TSA PreCheck application fee credit

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.

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

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:

• $7 per month when you spend $9.99 or more per month on The Disney Bundle
• $15 per month on Home Chef 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

Card	Welcome Bonus and Annual Fee	Benefits for Buying Furniture
The Business Platinum Card® from American Express	Earn 150,000 points after spending $20,000 in eligible purchases within 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 $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 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

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

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 150,000 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!

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

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.

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

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.

Ink Business Cash Card (Best for Cash-back at Office Supply Stores)

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.

Capital One Spark Miles Card (Best for Miles on Every Purchase)

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.