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, Pier 1 Imports, 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.

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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%).

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 for the IKEA Visa Credit Card

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 for the Williams Sonoma Visa Signature Credit Card

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 for the Crate & Barrel Mastercard

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

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 for the West Elm Credit Card

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 for a Williams Sonoma Credit Card

Pier 1 Imports Credit Card

Pottery Barn Credit Card

Crate & Barrel Credit Card

Raymour & Flanigan Credit Card

Restoration Hardware Credit Card

Bob’s Discount Furniture Credit Card

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

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 for the Havertys Credit Card

La-Z-Boy Credit Card

Rooms To Go Credit Card

Furniture Stores That Don’t Offer Credit Cards

The following furniture retailers may offer in-store financing, but do not offer credit cards:

  • 2Modern
  • American Street Showroom
  • ARTeFAC
  • Badcock Home Furniture &more
  • Burke Decor
  • Carolina Rustica
  • CONSORT Home
  • Fifthroom
  • Hayneedle
  • Herman Miller
  • Jonathan Adler
  • LexMod
  • Luminaire Lab
  • Malachite Home
  • theMART
  • Rove Concepts
  • Star Furniture

To learn more about other financing options at furniture stores, see our article detailing the 10 most popular furniture stores that finance.

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