Rooms To Go credit card, and the best card to use
Rooms To Go purchases fall under everything else. Here are the cards that earn the most there, ranked from live reward data. CashCatch checks your own wallet in a tap.
Rooms To Go has its own card — the Rooms To Go Credit Card. A store financing card issued by Synchrony Bank offering no-interest promotional financing on furniture purchases. It earns mainly at Rooms To Go; the cards below earn everywhere, so it is worth comparing both.
- One of the largest independent furniture retailers in the U.S., known for selling pre-designed room packages.
Top cards at Rooms To Go
- 12%Citi Double Cash® Card2% base (everything else)No annual fee
- 22%Synchrony Premier World Mastercard®2% base (everything else)No annual fee
- 32%Wells Fargo Active Cash® Card2% base (everything else)No annual fee
- 42%Capital One Venture Rewards Credit Card2x pts base (everything else)$95/yr annual fee
- 52%Chase Sapphire Preferred® Card2x pts base (everything else)$95/yr annual fee
- 62%Capital One Venture X Business2x pts base (everything else)$395/yr annual fee
Rates come from our live dataset and can change. Always verify with the card issuer before you rely on a number.
How to earn the most at Rooms To Go
Many everyday purchases do not fall into any bonus category, and Rooms To Go often lands in this everything-else bucket. Superstores and general retailers, for instance, commonly code as general merchandise rather than as groceries or another bonus category, even when they sell food and household goods. When Rooms To Go codes this way, most cards pay only their base everyday rate, so the winner at Rooms To Go is usually whichever card in your wallet has the highest flat rate rather than a specialized category card.
Choosing a card for Rooms To Go is simpler here than in bonus categories: look for your strongest flat everyday rate. This is exactly why a good flat-rate card belongs in every wallet, since it quietly outperforms category cards anywhere the bonus does not apply, including Rooms To Go. If Rooms To Go occasionally runs a co-branded card or a targeted offer, that can change the math, so it is worth a look. Rates change over time, so the ranking above is built from current data rather than a permanent answer.
Rooms To Go cashback FAQ
Does Rooms To Go do cash back?
The cash back you control at Rooms To Go comes from how you pay, not from the store. Right now the top card earns 2% back there (Citi Double Cash® Card), and paying with the right card works alongside any Rooms To Go loyalty program or promotion you already use.
What is the best credit card to use at Rooms To Go?
Citi Double Cash® Card tops the list for Rooms To Go, earning 2% here (2% base (everything else)). But the best card is whichever one in your own wallet earns the most on everything else, which is exactly what CashCatch checks for you in a tap.
Does Rooms To Go have its own credit card?
Yes — the Rooms To Go Credit Card. A store financing card issued by Synchrony Bank offering no-interest promotional financing on furniture purchases. It earns rewards mainly at Rooms To Go and its partners, so it is worth weighing against the cards ranked above, which earn wherever you shop.
Why doesn't my category card earn a bonus at Rooms To Go?
If Rooms To Go codes as a general retailer, category cards for groceries, dining, or gas simply do not match, so they pay their base rate. The card is working as intended; the purchase just falls outside its bonus. This is where a flat everyday card usually earns more, because it pays the same rate regardless of how Rooms To Go codes.
Does a superstore like Rooms To Go count as a grocery store?
Usually not. Large general retailers tend to code as general merchandise rather than as supermarkets, even when a big part of the basket is food, so grocery bonuses often do not apply at Rooms To Go. A flat everyday card commonly earns more there than a grocery card. Your statement shows the category Rooms To Go used if you want to confirm.
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