While getting new furniture is exciting, it’s often an expensive endeavor. The good news is that you can pay with one of the best credit cards for buying furniture if you don’t have the cash for it upfront.
Maybe you recently moved into a new home and need to furnish it. Or, maybe you’re tired of that 10-year-old couch in your family room and are looking for something new. Whatever your reasons for buying new furniture, these cards all offer 0% financing and rewards for your purchases.
Cash Back | Miles | Student | Business | FAQs
Cash Back Cards with 0% Financing for Buying Furniture
When you use a cash back card to pay for your furniture, you can expect your credit card company to pay you a percentage of what you spend at the end of your statement period or billing cycle.
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
19.99% - 28.74% Variable
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$0
|
Good/Excellent
|
With the Chase Freedom Unlimited®, you can enjoy a lengthy 0% intro APR on all purchases from the time you open your account. There’s no annual fee, and you can earn unlimited cash back rewards on every purchase, including furniture.
The Chase Freedom Unlimited® also comes with a signup bonus you can collect if you meet the minimum spending requirement in the first three months from the date you open the card. So you’ll have time to pay your furniture off, and you’ll easily hit the minimum needed to attain the signup bonus when you charge your furniture to your card.
2. Chase Freedom Flex℠
This card is currently not available.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Additional Disclosure: The information related to Chase Freedom Flex℠ credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.
If you go for the Chase Freedom Flex℠, you can expect an introductory 0% APR off on purchases. The Chase Freedom Flex℠ also offers top cash back on up to a set limit in combined purchases in bonus categories each quarter.
Since the bonus categories change on a quarterly basis, it’s a good idea to keep your eye on them so you can make your furniture purchase when one of the bonus categories is a department store or another place that sells furniture. The Chase Freedom Flex℠ also rewards you with other tiered rewards categories and unlimited 1% cash back on all other purchases.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.74% - 29.74% (Variable)
|
$0
|
Excellent, Good
|
You can receive an unlimited 1.5% cash back on all your furniture purchases with the Capital One Quicksilver Cash Rewards Credit Card. The Capital One Quicksilver Cash Rewards Credit Card also offers a 0% intro APR on purchases and does not come with any annual or foreign transaction fees. Best of all, your cash back won’t expire for the life of your account, and you don’t have to worry about any rotating categories or sign-ups.
- Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.74% - 29.74% (Variable)
|
$0
|
Excellent, Good
|
In addition to a 0% APR on purchases, the Capital One SavorOne Cash Rewards Credit Card can help you earn cash back on your furniture purchase. There are no foreign transaction fees, and you can earn a signup bonus if you meet the minimum spending requirement within the first three months of opening your account — which is easy to do buying furniture.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
16.99% - 27.99% Variable APR
|
$0
|
Excellent/Good
|
While the promotional APR on purchases and balance transfers is great, what really makes the Discover it® Cash Back stand out is its rotating bonus merchants. If you opt for the Discover it® Cash Back, make sure you pay attention to when the bonus cash back is available for purchases on Amazon.com or other retailers that sell furniture.
Miles Cards with 0% Financing for Buying Furniture
If you’re an avid traveler, why not put your furniture purchases on a credit card that will help make your trip more affordable? There are a few miles cards that may be a good option for your furniture purchases.
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 16.99% - 27.99% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
16.99% - 27.99% Variable APR
|
$0
|
Excellent/Good
|
The Discover it® Miles will give you more than a year to pay off your furniture. You’ll also earn rewards miles for every $1 you spend on all purchases.
Since there are no blackout dates, you can use your miles to pay for airfare, hotels, rental cars, and other travel-related purchases with your Discover it® Miles whenever you’d like.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.74% - 29.74% (Variable)
|
$0
|
Excellent, Good
|
The Capital One VentureOne Rewards Credit Card offers a 0% APR on purchases for a limited period and 1.25X miles on every purchase. You can transfer your miles to over 15 travel loyalty programs and earn a bonus once you spend a certain amount on purchases within three months of opening your account.
Fortunately, there are no annual fees or foreign transaction fees with this card.
Student Cards with 0% Financing for Buying Furniture
Are you a student buying furniture for your dorm room, apartment, or house? Consider a student credit card to help you out. The cards below feature cash back rewards and 0% financing for your college living needs.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.99% - 26.99% applies.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
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10.99% Intro APR for 6 months
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17.99% - 26.99% Variable APR
|
$0
|
Fair/New to Credit
|
With the Discover it® Student chrome, you can finance your furniture and get rewarded for it. In addition, the Discover it® Student chrome will reward you with a statement credit for every friend you refer that receives an approval.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.99% - 26.99% applies.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 6 months
|
10.99% Intro APR for 6 months
|
17.99% - 26.99% Variable APR
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$0
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Fair/New to Credit
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The Discover it® Student Cash Back comes with an introductory APR on all purchases for a promotional period and bonus cash back at different places each quarter when activated, including gas stations, grocery stores, and even retailers like Amazon.com that sell furniture, up to the quarterly maximum.
Business Cards with 0% Financing for Buying Furniture
A business credit card is the way to go if you’re buying desks, couches, and other furniture for your place of business. The cards below will reward you with cash back that can provide immediate savings on your furniture purchases.
10. GM BuyPower Business CardTM from Capital One®
This card is currently not available.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Aside from a 0% intro APR on purchases for 12 months, the GM BuyPower Business Card™ from Capital One® can give you 3% cash back on purchases at gas stations, restaurants, and office supply stores. You’ll also get 1% back on all other purchases, including furniture and decor items.
If you like General Motors, you’re in luck because this card also offers 5% back on GM purchases at authorized dealers. There are no annual fees or limits to how much you can earn or redeem.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 12 months
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N/A
|
18.24% - 24.24% Variable
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$0
|
Good/Excellent
|
The Ink Business Unlimited℠ Credit Card offers a 0% introductory APR for 12 months on all purchases and an unlimited 1.5% cash back on every purchase — including furniture — you make for your business. Additionally, there is no annual fee, your employees can receive cards at no additional cost, and you can earn a cash back reward if you meet certain spending requirements in the first three months of opening your account.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 12 months
|
N/A
|
18.24% - 24.24% Variable
|
$0
|
Good/Excellent
|
In addition to a 0% introductory APR, the Ink Business Cash® Credit Card offers 5% cash back on the first $25,000 you spend on purchases at office supply stores and internet, cable, and phone service providers annually.
You can also earn 2% cash back on the first $25,000 you spend at gas stations and restaurants each account anniversary year and an unlimited 1% cash back on all other card purchases. There is no additional cost for employee cards, and you can collect a cash back bonus if you spend a specified amount within the first three months of opening your account.
- 0% Intro APR for the first 12 months; 20.74% - 28.74% variable APR after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 12 months
|
N/A
|
20.74% - 28.74% (Variable)
|
$0
|
Good
|
The Capital One Spark Cash Select for Good Credit will give you a 0% intro APR on all purchases for twelve months. Additionally, you can reap the benefits of unlimited cash back rewards, which can be redeemed whenever you’d like.
Your rewards won’t expire for the life of the account, and you don’t have to dish out any cash for an annual fee.
Which Credit Card is Best for Big Purchases?
Furniture is not cheap. Even if you buy it on sale, you can expect to spend hundreds or even thousands of dollars. It’s one of those big purchases that make sense to put on a credit card.
In most cases, credit cards that offer 0% intro APRs are ideal because they can give you some time to pay off your furniture without incurring interest. While every card we’ve included on this list offers a 0% intro APR, some are longer than others.
For example, one card may offer a 0% intro APR period for 15 months while another only gives you nine months of 0% APR.
Pay close attention to the 0% intro APR offers out there and select one that is ideal for your unique budget and lifestyle. If you’re confident you’ll have your furniture paid off within the 0% introductory period, the Chase Freedom Unlimited® may be the way to go.
Can Buying Furniture Help Your Credit?
While you may wish that you could pay for your furniture with cash, you may find that putting your purchase on a credit card benefits you in the long run. Here’s why: You can actually build your credit and improve your credit score if you use a credit card to pay for your furniture and make your payments on time and in full every month.
This is because your credit card account activity will be reported to the three major credit bureaus. Of course, if you miss payments, you’ll do the exact opposite and hurt your credit. Your payment history is the most heavily weighted factor used to determine your credit score.
Therefore, avoid buying furniture that will leave you with high payments you can’t comfortably afford. Make sure you shop around and find furniture that you know you can pay off without any issues.
By using your furniture purchase to build or improve your credit, you can secure financing with low interest rates and favorable terms down the road. This can come in handy if you’re ever in the market for another big purchase, such as a car or even a house.
Is Financing Furniture a Good Idea?
If you can’t pay for your furniture in cash, you may wonder whether financing it on a credit card is a good idea. The answer to this question is “it depends.”
Let’s say you land a great deal on a bedroom set and put it on a credit card that offers a 0% intro APR on all purchases for 12 months. If you make timely payments and pay off your furniture before the 0% intro APR period is over, financing the furniture was a good move.
On the other hand, if you buy a fancy sectional from a high-end furniture store on a credit card without a 0% intro APR period, you may have trouble making your payments once the interest charges are factored in. This can put you into some serious debt and hurt your credit.
As you can see from the chart above, you could end up paying far more than you originally paid for your furniture if you don’t take advantage of a 0% intro-APR offer.
So, if you are going to finance furniture, be smart about it. Don’t spend more than you can comfortably afford and find a credit card with a 0% intro APR period and rewards that you may benefit from.
Don’t Choose the First Card You Find
Shop around and consider all the options available to you before going for the first credit card you find. Allow furniture financing to work for you, rather than against you.
Now that you have a better idea of the best credit cards for buying furniture, weigh the pros and cons of each one. Once you do, you’ll be able to narrow down your options and select the ideal card for your unique situation. Happy furniture shopping and remember, putting furniture on a credit card can be a positive thing, as long as you’re strategic about it.
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