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10 cards ranked

Best credit card to use at HomeGoods.

Department Store

HomeGoods is the home-furnishings off-price chain owned by TJX Companies, with about 900 U.S. stores selling discount furniture, decor, and bath. Codes as department stores on most cards. The TJX Rewards Mastercard offers 5% back at HomeGoods and the rest of the TJX family. For everyone else, a department-store category card (Wells Fargo Active Cash, Citi Custom Cash if it's your top category) or flat-rate cashback card is the standard pairing.

  1. #1
    U.S. Bank Cash+ Visa Signatureif you select it
    U.S. Bank
    5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  3. #3
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  4. #4
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  5. #5
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  6. #6
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  7. #7
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  8. #8
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  9. #9
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  10. #10
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%
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