17 cards ranked
Best credit card to use at Value City Furniture.
Home ImprovementOnline Shopping
Value City Furniture, part of American Signature, sells budget-friendly sofas and bedroom sets that typically code as general retail or a furniture store. Home-improvement multipliers built for hardware chains often will not apply here. Purchases at valuecityfurniture.com generally code as online shopping, so a flat-rate or online-shopping card tends to deliver the best value on a furniture buy.
Picks without a tag earn at Value City Furniture both in-store and online. Watch for theOnline onlytag — those bonuses only apply on valuecityfurniture.com.
- #1Discover 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%
- #2Discover 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%
- #3NHL 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%
- #43.5%5x points
- #5Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #62.1%3x points
- #73%
- #82%
- #92%
- #10First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #11Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #12American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #13Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #142%
- #152%
- #162%
- #172%
Last updated June 30, 2026