Do Appliance Stores Earn a Bonus?
How appliance stores code
A dedicated appliance retailer rings up under a household-appliance store category code, outside the usual bonus buckets, so most cards earn their base rate. If you buy the appliance at a home-improvement store, it takes on that store’s category, which a card with a home-improvement bonus could reward, as covered in home improvement store bonuses. At an electronics retailer it may code as electronics.
Use the size to your advantage
A refrigerator or a washer-dryer is a big purchase, ideal for meeting a welcome-bonus minimum spend or using a long intro-APR offer to spread the cost interest-free. Those benefits usually matter more than the earn rate on a purchase this size.
The best card for appliances
Since a standalone appliance store earns the base rate, a strong flat-rate card is the reliable choice, unless you buy at a home-improvement store on a card that rewards it. Run your spending through the credit card rewards calculator to find the best base-return card, and see the flat options in best cash back cards.
Frequently asked questions
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