Best credit card for furniture and appliances
A new sofa, a fridge and a washer can clear a typical bonus requirement in one weekend.
On a $4,000 bill, Marriott Bonvoy Boundless® Credit Card comes out ahead at about $1,011 in the first year.
Updated 2026-09-16. Personal cards only.
| # | Card | Welcome bonus | The bill earns | Annual fee | First year | Worth it until a card fee of |
|---|---|---|---|---|---|---|
| 1 | Marriott Bonvoy Boundless® Credit Card Chase after $3,000 in 3 months |
$1,050 | $56 | $95 | $1,011 | 25.3% |
| 2 | Capital One Venture Rewards Capital One after $4,000 in 3 months |
$975 | $104 | $95 | $984 | 24.6% |
| 3 | Aeroplan Card Chase after $4,000 in 3 months |
$1,013 | $54 | $95 | $972 | 24.3% |
| 4 | Delta SkyMiles® Gold American Express Card American Express after $3,000 in 6 months |
$920 | $46 | $150 | $816 | 20.4% |
| 5 | Delta SkyMiles® Platinum American Express Card American Express after $4,000 in 6 months |
$1,035 | $46 | $350 | $731 | 18.3% |
| 6 | Capital One Venture X Capital One after $4,000 in 3 months |
$975 | $104 | $395 | $684 | 17.1% |
| 7 | IHG One Rewards Premier Credit Card Chase after $3,000 in 3 months |
$700 | $60 | $99 | $661 | 16.5% |
| 8 | United Explorer Card Chase after $3,000 in 3 months |
$750 | $50 | $150 | $650 | 16.3% |
| 9 | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Citi after $2,500 in 3 months |
$675 | $54 | $99 | $630 | 15.8% |
| 10 | Citi Strata Premier® Card Citi after $4,000 in 3 months |
$660 | $44 | $95 | $609 | 15.2% |
Bonuses are valued with our conservative point values; "the bill earns" uses each card's base rate, since a venue or school rarely counts as a bonus category. Offers change often and some are targeted, so check the bank's page before you apply.
Before you pay
- Some store financing offers charge all the interest from the start if any balance is left when the promotion ends. A card you pay in full each month avoids that.
- Check the store's price adjustment policy too: some refund the difference if the price drops soon after you buy.
Common questions
Which card is best for furniture and appliances?
On a $4,000 bill, Marriott Bonvoy Boundless® Credit Card comes out ahead at about $1,011 in the first year: its welcome bonus, plus what the bill earns at its base rate, minus the annual fee. That assumes you can open it before paying and pay the balance in full.
Does a card fee change the answer?
Yes. Each row shows the fee at which that card stops being worth using. Marriott Bonvoy Boundless® Credit Card stays ahead of paying another way until the fee reaches about 25.3% of the bill.
Why aren't bigger bonuses listed?
Only cards whose spend requirement a $4,000 bill clears on its own are ranked. A card with a larger bonus and a larger requirement can still be worth it if the rest of your spending makes up the difference.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →