Best credit card to use at Rooms To Go.
Rooms To Go is a Florida-based furniture retailer that pioneered the room-package concept, bundling sofa, loveseat, tables, lamps, and rug into a single price. The chain runs over 250 showrooms across the Southeast, Texas, and Puerto Rico. Furniture purchases code as general retail on most rewards cards, so they sit outside dedicated home improvement bonuses.
Picks without a tag earn at Rooms To Go both in-store and online. Watch for theOnline onlytag — those bonuses only apply on roomstogo.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%
Five-piece living room packages and bedroom sets often clear $2,000, making Rooms To Go a useful place to hit signup bonus thresholds on cards like the Chase Sapphire Preferred or Capital One Venture. The retailer also markets a Synchrony-issued Rooms To Go credit card with deferred-interest financing, but a rewards card paid in full generally produces more value.
Last updated May 17, 2026