Best credit card to use at Mattress Firm.
Mattress Firm is the largest U.S. mattress specialty chain with more than 2,300 stores, carrying Sealy, Serta, Tempur-Pedic, Purple, and its private-label brands. Mattress purchases code as general retail on most credit card networks, which means no automatic 5 percent home improvement bonus and no grocery category overlap.
Picks without a tag earn at Mattress Firm both in-store and online. Watch for theOnline onlytag — those bonuses only apply on mattressfirm.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%
King-size mattress sets routinely cross $2,000, making Mattress Firm useful for clearing signup bonus minimums on cards like the Amex Gold or Chase Sapphire Preferred. The retailer also offers Synchrony-issued financing with promotional zero-interest windows. Paying with a 2 percent flat-rate card such as the Citi Double Cash and avoiding interest charges typically produces a better net outcome.
Last updated May 17, 2026