Best credit card to use at Ashley Furniture HomeStore.
Ashley Furniture HomeStore is the largest furniture retailer in the United States by store count, selling sofas, dining sets, mattresses, and bedroom collections through more than 1,000 corporate and licensed locations. Furniture purchases generally code as general retail on Visa, Mastercard, and Amex networks, so they do not trigger the home improvement bonus that covers only Home Depot and Lowe's.
Picks without a tag earn at Ashley Furniture HomeStore both in-store and online. Watch for theOnline onlytag — those bonuses only apply on ashleyfurniture.com.
- #1Citi Custom Cashif it’s your top categoryCiti5% on home improvement if it's your top eligible spend category that cycle (up to $500/month, then 1%)Automatically on your top eligible spend category each billing cycle5%
- #2Discover it Cash Backthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3Discover it for Studentsthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4NHL Discover itthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #55.0%5x points
- #6Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #73.0%3x points
- #8Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
- #93%
- #102%
- #112%
- #12First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #13Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #14American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #152%
- #162%
- #172%
Big-ticket furniture buys are a natural fit for signup bonus minimum spend on cards like the Chase Sapphire Preferred or Amex Gold. Ashley also pushes its own Ashley Advantage financing card with deferred-interest promotions, though paying with a rewards card and avoiding interest usually beats the financing math.
Last updated May 17, 2026