Looking to furnish your dream home or finally upgrade that worn-out sofa? Picking the right credit card for buying furniture can make all the difference. Join us as we explore the best credit cards for furniture purchases, helping you save money and earn valuable rewards.
Best Credit Cards For Buying Furniture Table of Contents
Why use a credit card for furniture purchases?
Buying furniture can be an expensive affair, but using the right credit card can save you money and offer some extra perks. Here are some reasons why smart shoppers choose to use a credit card for furniture purchases:
- Earn cashback or rewards points
- Access special financing or deferred interest offers
- Protection under purchase and return protection policies
- Improve your credit score
Top credit cards for buying furniture
Below, we've rounded up some of the best credit cards for furniture purchases in terms of rewards, financing options, and additional benefits.
1. Chase Freedom Flex
- Earn 5% cashback on rotating categories (including home improvement stores)
- No annual fee
- Purchase and return protection
- 0% intro APR for 15 months on purchases
2. Capital One SavorOne Cash Rewards
- Unlimited 3% cashback on dining, entertainment, and select streaming services
- Unlimited 2% cashback on grocery store purchases
- Unlimited 1% cashback on all other purchases (including furniture)
- No annual fee
- 0% intro APR for 15 months on purchases
3. Discover it Cash Back
- 5% cashback on rotating categories (including home improvement stores)
- 1% cashback on all other purchases
- Cashback Match: Discover will automatically match all the cashback earned at the end of your first year
- No annual fee
- 0% intro APR for 14 months on purchases
4. Citi Double Cash Card
- Earn 2% cashback on all purchases (1% when you buy and 1% when you pay your bill)
- No annual fee
- 0% intro APR for 18 months on balance transfers
5. American Express Blue Cash Preferred
- 6% cashback on U.S. supermarkets and select U.S. streaming service
- 3% cashback on U.S. gas stations and transit
- 1% cashback on all other purchases (including furniture)
- $95 annual fee
- 0% intro APR for 12 months on purchases
- Various purchase and return protection benefits
Best Credit Cards For Buying Furniture Example:
Let's say you decide to purchase a $2,000 furniture set using the Capital One SavorOne Cash Rewards card. You'd earn a flat 1% cashback on the purchase, or $20. Additionally, you'd enjoy a 0% intro APR for 15 months, allowing you to pay off your furniture purchase without incurring any interest for a little over a year.
By considering your needs and choosing the right credit card for your furniture purchases, you can save money, earn rewards, and make the most of your shopping experience. We hope this guide has given you valuable insights into the best credit cards for buying furniture. Don't forget to explore other guides on Flik Eco for more money-saving ideas and personal finance tips. And if you found this article helpful, be sure to share it with your friends and family!
