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20 Top Furniture Store Credit Cards (Save BIG with these Cards)

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Credit card for online furniture stores

Who needs yet another credit card? Actually, lots of people if you want to save big on a large furniture order. Often it’s worth applying for a credit card for a single purchase such as a big furniture order because you can save a ton of money on that purchase simply by applying for a furniture store credit card. Here are 20 online furniture stores that offer credit cards.

Ah, the ease of shopping online. Even when it comes to furniture, many of us would prefer looking at a lovely picture to make our choice, rather than having to fight the crowds and deal with pushy salespeople. This is especially true when we are able to purchase from an online furniture store that is offering us their own online furniture store credit card.

Why apply for and use a furniture store credit card?

The answer is simple. You can save big on the purchase even if you use the credit card once or twice.  For many furniture store credit cards, when you apply and make your first purchase, you can enjoy a sizeable discount and/or enjoy preferable financing.  If you’re dropping a few thousand dollars or more on furniture, these savings can add up big time.

For some of the listings below, you can also use the credit card when purchasing from the store’s catalog as well.

What could be easier?

Let’s take a look at all the wonderful furniture stores that are offering their own credit cards to purchase their furniture online.

Related: Home Improvement Credit Cards | Credit Cards for Real Estate Agents

1. Wayfair

Wayfair website

The great thing about buying furniture on Wayfair is that it is just so darn easy. Just type what you are looking for in the search bar and voila! Wayfair designs are tasteful and affordable. If you have watched their commercials, perhaps the thing you might remember the most is yes, free shipping, even on furniture. This is especially helpful because paying to have it shipped can be very expensive.

That’s right, even if you only spend $10, you won’t have to pay any shipping charge if you have a Wayfair credit card. Each time you purchase, you get to choose between 3% back in Wayfair rewards dollars, or special financing, to fit your budget. In addition to this, Wayfair has an introductory offer. If you spend $100 or more on your first order, you receive $25 off of your first order. Your Wayfair credit card also has no annual fee.

2. Havertys

Haverty's store

Whether you prefer traditional, contemporary, casual or formal styles, Havertys is a great website to look into. Their furniture is more of a high-quality, higher price end of the spectrum, however. They have a large selection of pieces for you to check out, as well as made-to-order custom furniture selections. Havertys is tailored more toward the Interior Designer aficionado.

Your Havertys credit card is good for purchases made online, or in-store. Here is a breakdown of the special financing Havertys offers. Firstly, no down payment is required, no matter how much money you spend. For purchases made online or in-store, there is no interest if paid in full within 6, 12, 18, 24, or 36 months. The length of the term depends on how much money you are spending. (See website for details)

3. All Modern

A branch of Wayfair, their name says it all. All Modern is centered upon modern design styles. Their look is fresh and clean, and their prices are friendly to your wallet. Their website is intuitive and easy to navigate. They offer furniture for every room of your house, and even bedding and bath selections to boot.

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Just like Wayfair, All Modern gives you free shipping with no order minimum when you use their credit card. Choose from 3% back in All Modern Rewards dollars or special financing to fit your budget. All Modern also has an introductory offer that gives you $25 off of your first order of $100 or more.

4. Amazon

Amazon App

Ahh, Amazon. Aren’t all of us so comfortable shopping on Amazon these days? However, are we as comfortable shopping for furniture on Amazon? Well, why not, I say. Any smart Amazon shopper knows we just have to have faith and “follow the reviews.” If an item has 2,000 people that has rated it as a 5-star product, it is probably safe to say that it is a good product. There are great pieces of furniture on Amazon that should not be overlooked.

There is a myriad of Amazon credit cards out there for you to choose from. My personal favorite is the Amazon Prime Rewards Visa Signature Card. It has no annual fee but is exclusively for eligible Amazon prime members. It is especially nice because it comes with a $70 Amazon.com gift card, instantly upon approval. Amazon members particularly appreciate the fact that it comes with 5% back at Amazon.com and Whole Foods Market. So basically, if you buy your furniture at Amazon, you earn more money at Amazon to buy more furniture or whatever else you want to spend it on.

5. Houzz

Houzz website

The sheer volume of items you can purchase for your home on Houzz is quite overwhelming. But let’s focus. We are talking about furniture here. It turns out that Houzz has some really cool and unique furniture finds. They lean towards modern tastes, but do have a few traditional pieces. Their prices range from moderately low to very high, depending on what you are checking out.

The Houzz website gives you the option to have a credit card that you can solely use on their website or a Houzz MasterCard that you can use anywhere. When you use your Houzz MasterCard, with purchases on Houzz, you will receive $50 in Houzz reward dollars. With every purchase you make on Houzz, you will earn 5% back, to buy more on Houzz. On all other purchases, you will earn 1% back in Houzz reward dollars. After you meet minimum spend limits, you will receive special financing options.

6. Pier 1

Pier 1 Imports Website

Pier 1 is a great place to shop if you enjoy more traditional tastes, with a more “home sweet home” vibration.

When you become a Pier 1 credit cardholder, you will receive special perks. For example, here are the perks that they have listed on their website at this time.

  • On the first Tuesday of every month, save 10% when you use your Platinum Rewards Credit Card.
  • Enjoy exclusive opportunities throughout the year to earn bonus points when you use your card
  • Receive a special offer for your birthday
  • Earn rewards to spend on anything you want at Pier 1. You will receive 1 point for every dollar you spend and receive a $10 reward for every 200 points.

7. Home Depot

Home Depot Website

It turns out that Home Depot doesn’t only sell power tools! You can get some pretty nice furniture there as well. You may enjoy buying furniture at Home Depot online if you are looking to save a buck or two and aren’t really looking for the pomp and fluff on all the usual furniture websites.

On purchases of $299 or more, Home Depot offers 6-month financing. In addition to this, new accounts get to save up to $100 on your qualifying purchase when you open up a new Consumer Credit Card account, valid until 1/31/20. What are you waiting for?

8. Lowe’s

Lowe's Website

Lowe’s website offers more furniture than one might expect. They sell everything from bedroom furniture to living room furniture to office furniture and everything in between.

With the Lowe’s Advantage card, you get 5% every purchase that you make at Lowe’s. You can also get 6 months special financing on purchases of $299 or more. Your Lowe’s card does not have an annual fee.

9. American Signature Furniture

If you are on a limited budget, American Signature Furniture is a great place to start looking. They have an extensive online selection to browse, with relatively affordable prices. It is a good place for regular folks to buy furniture.

The Signature Plus card from American Signature Furniture has offers on its website that are only good for certain dates. The best thing to do is to check their website when you are ready to shop to see what offers they have for card members during the particular day you are checking on. Synchrony Bank is the lender that is in charge of the Signature Plus Card.

10. Cost Plus World Market

Have you ever heard of Cost Plus World Market or World Market for short? World Market is a great place to shop if you enjoy collecting treasures and works of art from all around the world. It goes the same for their furniture. Their designs are cool, eclectic, and sourced from all around the globe. Did I mention they are also affordable? You can’t go wrong with World Market furniture.

With the Cost Plus World Market MasterCard, you will not be charged any interest if you pay your balance in full within 6 months on purchases between $250-$499.99. If you spend $500 or more, you have 12 months with no interest. In addition to this, for every dollar you spend at Cost Plus World Market, you get 5% back in rewards. You even get 2% back in rewards for every dollar you spend on gas and groceries, and 1% back from anywhere else that Mastercard is accepted.

11. Rooms to Go

Rooms to Go online is a great place to shop as long as you don’t mind the fact that there are going to be many other people out there that are likely to have a room or furniture that looks just like yours. This is simply because of their popularity. They have certain designs/designers such as Sofia Vergara and Cindy Crawford who create their own collections.

The main reason people like the Rooms to Go credit card is that there is no down payment required. In fact, there is a 180-day deferment period, where there is 0% intro APR. After that, the APR is 29.9%. So basically, what this means is that you can walk into a Rooms to Go with no cash, and you don’t worry about having to have any cash for another 180 days. The downside is that once the APR kicks in and you have to start paying, the payments can be rather high.

12. Ethan Allen

Ethan Allen Store

On the other hand, we have Ethan Allen. Far from a cookie-cutter situation, Ethan Allen pieces are original, hand-crafted designs. Considered a high-quality brand, Ethan Allen furniture also comes with a high price tag.

When you have the Ethan Allen Platinum card, you don’t have to pay interest if you pay your balance in full within either 6, 12 or 24 months. However, the small print reads that your interest will be charged from the purchase date if you don’t pay your balance in full within the aforementioned period. The APR is 29.99%. I also must warn you; their membership fee is $100 per year. Ouch!

13. Walmart

Walmart online store

Okay, so perhaps when you think of Walmart, furniture is not the first thing that comes to mind. However, you may be surprised at what you can find at Walmart.com when you search the term “furniture.” Browse yourself, and see what I am talking about.

Who couldn’t use a Walmart credit card for something or another? Why not for furniture? The Capital One Walmart Rewards Card earns you 5% back when you make purchases on Walmart.com. Not to mention when you visit Walmart and use your card, you earn 2% back. Use your Capital One Walmart Card for restaurants and travel and earn 2% back. All other purchases give you 1% back. There is no annual fee with the Capital One Walmart Card.

14. Target

Target Store

Target is well-known for its unique sense of style. Perhaps you are looking to save money and you just need a few key pieces of furniture. Why not check out Target.com? Target is a particularly good place to look for dorm room furniture and the like.

When you have a Target Red Card, you are given 5% off of your purchase every time, whether you purchase online or in-store. That can really add up over time. Other benefits include 10% off of hotels at Hotels.com, an extra 5% off of Target clearance prices when you use your Target Red Card, and 5% off of in-store Starbucks purchases. In addition to this, you will also receive free 2-day shipping on countless items from Target.com.

15. Big Lots

One thing is for sure, you can save big money buying closeouts at Big Lots. In fact, you can often buy designer brands that you would find on other sites (such as Ashley furniture) and save hundreds of dollars.

With the Big Lots credit card, there is no annual fee. They offer the following special financing. You don’t have to pay any interest if you pay in full within 6 months, for purchases of $250 or more, and for purchases of $750 or more you have 12 months. If you don’t pay the balance in full within this time frame, interest will be charged to your account from the purchase date.

16. Ikea

IKEA catalog and website

Founded in Sweden in 1943, Ikea has grown into a worldwide phenomenon. The bottom line about Ikea summed up in their business statement. They “offer a wide range of well-designed, functional home furnishing products at prices so low, that as many people as possible will be able to afford them.”

The Ikea Visa Credit Card gives you 5% back in rewards on Ikea purchases. You also receive 3% back in rewards on dining, grocery and utility purchases, as well as 1% back in rewards on all other purchases you make with your card.

17. Birch Lane

Birch Lane Website

Birch Lane is a branch of Wayfair. Birch Lane is different from Wayfair, in that it is focused on solely selling traditional furniture and décor at “attainable prices.” According to Boston Globe.com, the demographic for Birch Lane is women between the ages of 35 and 55.

The benefits of having a Birch Lane credit card are that you receive free shipping with no order minimum. That is always a nice perk. Each time you purchase, you get to choose between 3% back in rewards, or special financing to fit your budget. They also have a special introductory offer where they give you $25 off of your first order of $100 or more.

18. Ashley Furniture

Ashley furniture delivery truck

A family company headquartered in Arcadia, Wisconsin, Ashley furniture manufactures and distributes their furniture products across the globe. In regards to style, Ashley furniture has a nice mix of traditional and modern to satisfy the tastes of most buyers. You don’t have to be a designer to shop there, as it is good for everyday folks.

With the Ashley Advantage Credit Card, you get to choose the special financing offer that works best for you. You can choose to pay your balance in 6-12 months with no minimum purchase required, or 18 months with a minimum purchase required. They will only extend to 72 months if you purchase in-store, with a minimum purchase required. For those with less-than-perfect credit, Ashley offers a lease-to-own option through Progressive Leasing.

19. Joss & Main

Joss & Main Website

Another division of Wayfair, Joss & Main is a highly-popular, membership-based website. It is more geared towards Interior Designers and the like. Joss & Main focuses up offering inspirational décor at affordable prices, through spotlighting specific design collections, trends, and styles.

If you have the Joss & Main Credit Card, you don’t have to pay an annual fee. Again, you will receive free shipping with your order as well as receive 3% back in rewards, or special financing to fit your budget. Just like Wayfair and Birch Lane, you will receive $25 off of your first order off of $100 or more.

20. Pottery Barn

Pottery Barn Website

Many people were first introduced to Pottery Barn through their lovely catalog they send out. If you are a Pottery Barn lover, you probably don’t mind paying an extra penny for their design sets that they have all planned out for you online. That’s what credit cards are for, right?

With the Pottery Barn Credit Card, you earn 10% back in rewards when you shop at Pottery Barn. For example, when you spend $250 on your Pottery Barn Credit Card, you earn $25 in rewards. Instead of this, you also have the option to choose 12-month special financing on purchases of $750 or more. In addition to this, you will receive invitations to double rewards events throughout the year, as well as early access to private sales.

Related: Credit cards for realtors | Credit cards for plumbers

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.