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14 cards ranked

Best credit card to use at At Home.

Home ImprovementOnline Shopping

At Home operates over 260 big-box home decor superstores stocking patio furniture, seasonal decor, wall art, and bedding at warehouse-style pricing. Most major credit cards code At Home as general retail, so it sits outside the typical home improvement bonus that covers only Lowe's and Home Depot on cards like the Wells Fargo Bilt or Chase Freedom rotating quarters.

Picks without a tag earn at At Home both in-store and online. Watch for theOnline onlytag — those bonuses only apply on athome.com.

  1. #1
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on home improvement
    3.5%5x points
  2. #2
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  3. #3
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on home improvement
    2.1%3x points
  4. #4
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  5. #5
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  6. #6
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  7. #7
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  8. #8
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  9. #9
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  10. #10
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  11. #11
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  12. #12
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  13. #13
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  14. #14
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

Online orders through athome.com can hit online shopping bonuses on cards like the Capital One SavorOne and Bank of America Customized Cash when that category is selected. At Home Insider Perks members also stack store coupons with credit card cash back, which matters on big-ticket patio and Christmas decor seasons.

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Last updated June 30, 2026

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