Do Furniture Stores Earn a Bonus?
How furniture stores code
A furniture retailer rings up under a home-furnishings or furniture merchant category code, which is outside the usual bonus buckets like groceries and dining. So most cards earn their base rate on a couch or a mattress. Online furniture bought through a general marketplace may code as that marketplace instead. The framework is in what is a bonus category.
Use the size to your advantage
Furniture purchases are often large, which makes them ideal for meeting a card’s welcome-bonus spending requirement in one shot, or for a card with a long intro-APR period if you want to spread the cost interest-free. Either benefit can dwarf a small difference in earn rate, so think about the whole card rather than just the category.
Store cards versus a flat-rate card
Furniture chains often push their own store card with promotional financing. That financing can help, but the deferred-interest terms are strict, and the card is useless elsewhere. For the rewards side, a strong flat-rate cash back card usually earns more across your life than a single-store card. Value any points at a flat 1 cent when you compare.
Frequently asked questions
Related reading
