At Home Mastercard®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 32.24% variable based on the Prime Rate
At a glance
At Home’s Mastercard provides cardholders with several attractive benefits, especially if they are frequent At Home shoppers. It features a tiered points system, and cardholders can redeem their points for store credit. Additionally, cardholders can take advantage of 0% interest for 6 months on select purchases, no annual fee, and much more.
Our review of the At Home Mastercard®
If you are a fan of home décor and frequently shop at At Home, the At Home Mastercard® could be a valuable addition to your wallet. With most of its stores located in the eastern United States, you can also shop online for all your home goods and enjoy the perks of this retail credit card.
Earn Up to 5X Points on Purchases
New cardholders are welcomed with a special gift from the At Home Mastercard® upon approval. You will receive a 10% discount on your first purchase at At Home stores, whether online or in-store, using your new credit card.
With the At Home Mastercard, you can earn points on all purchases. Get 5X points for every dollar spent at At Home, 3X points for groceries (including delivery services like Instacart or Amazon Fresh), and 1X points for all other purchases. This card stands out from other retail cards by offering a higher ratio of points on purchases outside of the co-branded retailer.
At Home Comparison
Comparing the At Home Mastercard with other popular reward options like the Bilt Mastercard and Amazon Prime Visa, you can see the value it offers:
| Card | At Home Mastercard® | Bilt Mastercard | Prime Visa |
|---|---|---|---|
| Annual fee | None | None | None |
| Rewards | 5X on At Home, 3X on groceries, 1X on all other purchases | 1X on rent, 2X on travel, 3X on dining | 5% back on Amazon and Whole Foods, 3% back on restaurants, gas stations, and drug stores, 2% back on local transit, 1% back on all other purchases |
| Award options | Reward coupons ($5, $10, $15, or $20) | Rent, down payments, statement credits, merchandise, classes, memberships | Pay with points, statement credits, Chase account deposits |
| Issuer | Synchrony | Wells Fargo | Chase |
Redeem Points for Award Certificates
With the At Home Mastercard, cardholders can earn $5 reward certificates for every 500 points earned. This means you can earn $5 for every $100 spent at At Home. Rewards expire after 90 days, and you can receive a maximum of four monthly rewards certificates. While large purchases may not earn as many points due to At Home’s lower price points, the 3X points on groceries offer a great opportunity to earn rewards on everyday spending.
Special Promotional Financing Options
The At Home Mastercard features a promotional 0% APR on purchases of $299 or higher, allowing you to pay off your purchases over a 6-month period without accruing interest. Take advantage of this feature to finance larger home projects or purchases. Just make sure to pay off the balance before the promotional period ends to avoid additional interest charges.
At Home Insider Perks™ Elite Perks
By being an At Home Mastercard cardholder, you are automatically enrolled in the At Home Insider Perks™ program. Enjoy special benefits such as birthday gifts, hassle-free returns, early access to sales, and exclusive promotions. While the card advertises these perks as a benefit, you can still join the Insider Perks™ program for free without the need for the credit card.
Store Card Comparison
Synchrony also offers a store card version of the At Home Mastercard, the At Home Rewards Credit Card. This closed-loop card is limited to At Home purchases only but offers special financing options for home projects over $299. Store cards typically have lower credit score requirements and offer special financing, making them a valuable option for those with fair credit.
Other Card Features
In addition to the rewards and benefits mentioned, the At Home Mastercard also offers essential Mastercard protections such as Zero Liability Protection, Mastercard Global Services, and ID Theft Protection. Enjoy the security of EMV chip technology, mobile wallet connectivity, and a user-friendly mobile app for easy management of your card.
Should You Apply for the At Home Mastercard®?
If you are a regular At Home shopper or enjoy earning rewards on groceries, the At Home Mastercard could be a great fit for you. While the points system may not be as lucrative for At Home purchases, the 3X points on groceries offer a practical way to earn rewards on everyday spending. Interior designers and decorators may also find value in this card for its versatility and rewards program. Consider your spending habits and whether the benefits of this card align with your lifestyle before applying.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 5X points on purchases at any At Home store
- Earn 3X points on groceries and 1X points for all other purchases
- No annual fee
- 10% off your first purchase when you open an account
Who this card may suit
- You shop at At Home and want to earn rewards points you can redeem for shopping credits
- You don’t want to pay an annual fee
- You want 0% interest for 6 months on large purchases
- You want an introductory 10% discount on your At Home purchase
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 32.24% variable based on the Prime Rate |
| Cash Advance APR | 33.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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At Home Mastercard®
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