Purchasing furniture may be a difficult undertaking, particularly if you anticipate spending a sizable sum of money and are devoting time to your research.
And fortunately, you won’t have to spend more time on your home improvement project than necessary studying every credit card available because you’ll find the top cards to use for furniture purchases right here.
We therefore have the inside track whether you’re looking for a credit card with enticing benefits, a longer 0% financing period, or a high spending limit.
But first, let’s look at the aspects of a credit card you ought to be concentrating on.
Finding the Right Credit Card for Your Furniture Purchase
In general, you should concentrate on acquiring adequate buy protection when you make a significant purchase because failing to do so could result in losing out on thousands of dollars without any consumer safeguards or sighing with relief when you learn that your credit card has you protected.
Also, you’ll want to accumulate as many points as you can. While some credit cards provide bonus cash-back just at department stores where you can buy furniture or home improvement stores, not many of them have rewarding point systems.
Because of this, using a credit card that pays large rewards on all expenditures rather than just home remodeling and/or furniture purchases is one of the main points of the rewards component.
Finally, one of the most crucial elements is having access to a high credit limit; alternatively, you can concentrate on using a card without a defined spending cap to avoid worrying about a credit limit.
Let’s discuss the top personal credit cards for furniture purchases!
1. Citi Custom Cash Card
You might not initially think that this card is particularly noteworthy, but we are writing to persuade you otherwise!
The greatest credit card to use for minor furniture purchases is, specifically, the Citi Custom Cash card. Soon, we’ll talk about that.
Let’s start with the large welcome bonus provided. Since Citi often doesn’t offer welcome bonuses on credit cards without annual fees, this is a refreshing change of pace. Also, you will have access to a 0% introductory APR on both purchases and balance transfers.
Then, you will receive a staggering 5% cash-back (up to the first $500 spent) on purchases made in your top qualified spend category each billing cycle. After that, you can continue to earn an infinite amount of 1% cash back on any other transactions.
Let’s examine the 5% cash-back advantage, nevertheless. If you carefully examine it, you’ll discover an amazing list of qualifying categories:
• Drugstores
• Fitness clubs
• Gas stations
• Grocery stores
• Home improvement stores
• Live entertainment
• Restaurants
• Select streaming services
• Select transit
• Select travel
In order to maximize the 5% cash-back, you can spend up to $500 every month at home improvement stores, which will earn you 2,500 ThankYou Points.
Additionally, the Citi Custom Cash card provides free FICO credit scores, access to Citi Entertainment, and zero liability for fraud.
Why We Enjoy Getting ThankYou Rewards Points from Citi
Your rewards are generated in the form of ThankYou Points when you charge your purchases to the Citi Custom Cash card.
The Citi Custom Cash card’s rewards can only be used to pay for travel, gift cards, direct deposit, statement credits, checks, and Shop with Points at Amazon when used alone.
Nevertheless, you may access the world of Citi ThankYou Rewards if you combine the Citi Custom Cash card with another card, such as the Citi Premier® Card. Simply told, you can transfer your points to partners in travel and book some incredible flights for a great price.
With a ThankYou Rewards credit card, your 5% cash-back can increase to an 8% return on spending thanks to Citi ThankYou Points, which are valued at about 1.6 cents apiece.
2. U.S. Bank Cash+® Visa Signature Card
One of the uncommon cards that offers cash-back rewards on the categories you choose is the U.S. Bank Cash+ Signature card.
You may currently get 5% cash-back on the following 2 categories (up to $2,000 every quarter):
• 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, furniture shop and departure store purchases are covered, so if you spent the maximum of $2,000 each quarter in furniture stores, you would receive 5% cash-back, which is equal to $100 each quarter.
Also, you will receive 2% cash back on purchases made at gas stations, EV charging stations, grocery stores, or restaurants and 1% cash back on all other transactions.
Your awards can be redeemed for direct deposit to a U.S. Accounts with a bank, either checking or savings, statement credits, or gift cards.
3. Bank of America Customized Cash Rewards credit card
The Bank of America Customized Cash Rewards credit card offers 3% cash back in the category of your choice, which includes “home renovation and furnishings,” which covers a wide range of businesses and services in addition to retailers like Home Depot and Williams-Sonoma. The list of what qualifies here is extensive and includes everything from florists and floor covering retailers to air conditioning repair shops.
On the first $2,500 spent in these categories combined each quarter, the card offers 3% back on a category of your choosing (from a list of six options) and 2% back in grocery stores and wholesale clubs. 1% of all other purchases are reimbursed. Your 3% category is subject to change once per month. The sign-up bonus and introductory APR on this card make it a perfect choice for a major project as well.
It’s a pity that your 2%/3% extra cash back has a $2,500 quarterly spending cap, especially if you’re undertaking significant and pricey home renovation projects.
Product Details:
• Upon making at least $1,000 in purchases during the first 90 days after account opening, you will receive a $200 online cash rewards bonus.
• Get 3% cash back on purchases in your preferred category, 2% automatically at wholesale clubs and grocery shops (up to $2,500 in combined quarterly sales at these locations), and an unlimited 1% on all other transactions.
• If you belong to Preferred Rewards, you can increase your cash-back earnings on every transaction by 25% to 75%. This means that on purchases in your preferred category, you might receive 3.75%–5.25% cash back.
• No yearly cost, and incentives never expire.
• For purchases and any debt transfers performed in the first 60 days, there is a 0% introductory APR for the first 18 billing cycles. 17.49% – 27.49% Variable APR will be in effect after the intro APR offer expires. All balance transfers are subject to a 3% charge.
• Contactless Cards combine the simplicity of a tap with the security of a chip card.
• You run the risk of losing access to this online-only offer if you navigate away from this page or go to a Bank of America financial institution. When you apply right away, you can benefit from this deal.
