Furniture Store Credit Cards: Best Credit Cards, Bad Credit Options Listed

Short Answer

Furniture store credit cards are available at many stores including Bob’s Discount Furniture, Crate & Barrel, IKEA, Pottery Barn, Raymour & Flanigan, Restoration Hardware, West Elm, and Williams Sonoma. Below, we have the list of furniture store credit cards, including the best credit cards and options for bad credit.

Table of Contents

Furniture Store Credit Cards

Many furniture stores offer one-time financing for specific pieces of furniture that you can pay off at a later time. Sometimes, though, you need to finance multiple pieces, which is easier to do if you have access to a revolving credit line. Below, we list the furniture stores that offer revolving credit lines in the form of store credit cards.

Furniture stores may offer open-loop or closed-loop credit cards. Open-loop cards include the Visa or Mastercard logo; you can use them at any store that accepts Visa or Mastercard. Closed-loop cards are store-branded, and you can only use them for purchases at that specific store; however, they are usually easier to qualify for, particularly for borrowers with less-than-perfect credit.

Our list includes information about each card’s credit score requirements: Fair (580 or higher), Fair to Good (620 or higher), or Good (around 670 or higher). Note that credit requirements can change over time, and not every applicant with a credit score in the listed range will be approved.

Both networked and store-branded credit cards often offer benefits like interest-free payment periods for larger purchases. Note that store-branded cards often have higher Annual Percentage Rates (APRs) than Visa or Mastercard options. Our list below includes each card’s APR range — moderate (around 20%) or high (closer to 30%).

We compiled this information by contacting each issuer and viewing each credit card’s account disclosures.

Best Furniture Store Credit Cards

IKEA Visa Credit Card

The IKEA Visa Credit Card has a moderate APR and no annual fee, offers up to 5% back in rewards, and is valid at any store that accepts Visa.

Card network: Visa
APR: Moderate; find current APR information in the IKEA Visa Rate and Fee Summary
Credit level: Good
Rewards or promotional offers:
- 5% back in rewards on IKEA purchases
- 3% back in rewards on dining, grocery and utility purchases
- 1% back in rewards on all other purchases
Annual fee: None
Late payment fee: Up to $39
Apply

Williams Sonoma Visa Signature Credit Card

The Williams Sonoma Visa Signature Credit Card has a moderate to high APR, but no annual fee and a wide range of awards, including free standard shipping. You can also use it anywhere that accepts Visa — not just at Williams Sonoma.

Card network: Visa
APR: Moderate to High; see the current APR in the Williams Sonoma credit account disclosures
Credit level: Fair to Good
Rewards or promotional offers:
- $25 Reward Certificate every time you earn $25 in rewards
- 5% back in rewards for every dollar you spend at Williams Sonoma
- 6% back in rewards for every dollar you spend on shopping and dining
- 1% back in rewards for every dollar you spend at other places that accept Visa
- $20 Welcome Certificate
- $25 certificate during your birthday month
- Free standard shipping
Annual fee: None
Late payment fee: Up to $39
Apply

Crate & Barrel Mastercard

The Crate & Barrel Mastercard has a high APR but offers up to 10% back in rewards, plus special financing options. You can use it anywhere that accepts Mastercard, and there is no annual fee.

Card network: Mastercard
APR: High; for more details, see the Crate & Barrel Credit Rate and Fees Table
Credit level: Good
Rewards or promotional offers:
- 10% back in reward dollars on Crate & Barrel purchases
- 2% back in reward dollars on grocery purchases
- 1% back in reward dollars at other stores that take Mastercard
- 6-month special financing on purchases of $749 or more
Annual fee: None
Late payment fee: Up to $39
Apply

Furniture Store Credit Cards for Bad Credit

The following credit cards are generally available to applicants with fair or better credit; however, keep in mind that issuers consider applications on a case-by-case basis, and there is no guarantee of approval. We list the cards from best to worst based on their APRs and rewards.

IKEA Projekt Credit Card

Card network: None (store-branded)
APR: Moderate; find the current APR in the IKEA Projekt Rate and Fee Summary
Credit level: Fair to Good
Rewards or promotional offers:
- 0% interest for 6, 12, or 24 months depending on purchase amount
Annual fee: None
Late payment fee: Up to $39
Apply

West Elm Credit Card

Card network: None (store-branded)
APR: High; find current APR information on the West Elm Credit Card Rate and Fee Summary page
Credit level: Fair
Rewards or promotional offers:
- Earn 10% back in reward dollars or 12-month special financing on purchases of $750 or more
- Earn $25 for every $250 spent or opt for 12-month special financing on purchases of $750 or more
- Welcome gift of $50 in bonus reward dollars
- Double and bonus reward opportunities
- Annual Friends + Family shopping event
- Exclusive cardholder-only customer service line
Annual fee: None
Late payment fee: Up to $39
Apply

Williams Sonoma Credit Card

Card network: None (store-branded)
APR: High; find the current APR in the Williams Sonoma Credit Card agreement
Credit level: Fair to Good
Rewards or promotional offers:
- $25 Reward Certificate every time you earn $25 in rewards
- 5% back in rewards for every $1 you spend at Williams Sonoma
- $20 Welcome Certificate
- $25 certificate during your birthday month
- Free standard shipping
Annual fee: None
Late payment fee: Up to $39
Apply

Pottery Barn Credit Card

Card network: None (store-branded)
APR: High; see the current APR in the Pottery Barn Credit Card Rate and Fee Summary
Credit level: Fair to Good
Rewards or promotional offers:
- Earn $25 in rewards for every $250 you spend
- 12-month special financing on purchases of $750 or more
- Invitations to private sales and Double Rewards events
Annual fee: None
Late payment fee: Up to $39
Apply

Crate & Barrel Credit Card

Card network: None (store-branded)
APR: High; for further APR information, see the Crate & Barrel Credit Rate and Fees Table
Credit level: Fair to Good
Rewards or promotional offers:
- 10% back in reward dollars on Crate & Barrel purchases
- 6-month special financing on purchases of $749 or more
Annual fee: None
Late payment fee: Up to $39
Apply

Raymour & Flanigan Credit Card

Card network: None (store-branded)
APR: High; find the current APR in the Raymour & Flanigan Credit Card Account Summary
Credit level: Fair
Rewards or promotional offers:
- Interest-free payment periods ranging from six months to 72 months, depending on the purchase amount
Annual fee: None
Late payment fee: Up to $38
Apply

Restoration Hardware Credit Card

Card network: None (store-branded)
APR: High; find the current APR in the Restoration Hardware Credit Card Rate and Fee Summary
Credit level: Fair to Good
Rewards or promotional offers:
- No- or low-interest promotional offers for periods ranging from nine to 60 months depending on the amount spent and whether or not the cardholder belongs to the Restoration Hardware Members Program
Annual fee: None
Late payment fee: Up to $38
Apply

Bob’s Discount Furniture Credit Card

Card network: None (store-branded)
APR: High; find the current APR in the Bob’s Discount Furniture Credit Card Agreement
Credit level: Fair
Rewards or promotional offers:
- No-interest periods ranging from six to 12 months, depending on the purchase amount
Annual fee: None
Late payment fee: Up to $38
Apply

Other Furniture Store Credit Cards

The following stores offer credit cards in partnership with Synchrony. However, we are unable to compare them with the other cards in this list; Synchrony doesn’t allow you to view these cards’ terms and conditions until you begin the application process, which involves a hard credit pull.

Ashley Furniture HomeStore Ashley Advantage Credit Card

Card network: None (store-branded)
Rewards or promotional offers:
- 6-, 12-, 18-, or 72-month special financing
Apply

Havertys Credit Card

Card network: None (store-branded)
Rewards or promotional offers:
- Special financing offers up to 60 months for in-store and online purchases
Apply