Home Credit Card Review 2024 – Is It Good for At Home Shoppers?

If you are a frequent At Home shoppers, then the At Home Credit Card can be a great retail/store credit card in your wallet. The card offers several attractive benefits to cardholders like cash back and rewards, and you can redeem these points for store credit.

This is a store credit card issued by Synchrony Bank. The card offers a tiered points system with benefit of 0% interest for 6 months on AT Home puchases, with no annual fee and much more.

At Home has most of its retail stores in the eastern part of the U.S, but you can buy items online from its website. If you are thinking whether this credit card is right for you, read on.

At Home Credit Card Highlights

Annual Fee$0
IssuerSynchrony
Purchase APR32.24% variable
Rewards5X points on store or online purchase, 3X on groceries, and 1X on all other purchases
Credit Needed680 – 850

At Home Credit Card Features & Benefits

With this At Home credit card, cardholders get special financing and rewards both. You don’t have to choose one. The card also offers decent reward points on home purchases. So let’s discuss the card features and benefits in detail:

Reward Earning

  • Earn 5X reward points for every $100 spent at At Home.
  • Earn 5% back in reward on At Home purchases.
  • Earn 3% back in reward on all other purchases.
  • Get 10% off on your first purchase when you open an account.

Special Financing Options

The At Home Mastercard offers a promotional 0% interest for $299 or higher purchases. This means 0% interest for a period of 6 months. If you make any purchase form At Home, like a bed or a sofa, you can pay it off in 6 months with 0% interest.

Any purchase after the 6 months is done attracts the regular purchase APR, which is slightly higher. If you want to use the credit cards interest feature then you should always try to pay of purchases within 6 months to avoid paying high interest.

One good thing about this 0% interest rate is that you can take benefit of this feature at any time you want. This will last as long as your credit account is active and in is good situation.

Redeem Reward Points for Award Certificates

If you have At Home Credit Card, then you are eligibile for a $5 reward certificate for every 500 points you earn. If you make any purchases from AT credit card then you will definitely earn $5 for every hundred dollar spent. You can earn maximum of 4 rewards certificate monthly, so spend carefully.

At Home Exclusive Perks

In At Home loyalty program, you automatically enrolled as soon as you are approved for the At Home Mastercard®. You get welcome and birthday coupons as a special gift. It has 3 different plans named – base, VIP and Elite Boss. You can join the base plan for free, and VIP plan if you spend $350 dollar a year. By this way, you can enjoy best deals At Home.

Credit Bureau Reporting

  • Equifax
  • Experian
  • TransUnion

Other Card Benefits

The At Home Mastercard Credit Card also some benefits of protections for extra security. These features include:

  • Mastercard Global Services
  • Zero Liability Protection
  • ID Theft Protection
  • EMV chip technology
  • Mobile wallet connectivity
  • Simplified mobile app
At Home Mastercard Credit Card

Rates and Fees of At Home Mastercard Credit Card

Annual Fee$0
Regular Purchase APR32.24% variable
Balance Transfer APRN/A
Cash Advance APR33.24% variable
Cash Advance Transaction FeeEither $10 or 5% of the amount for each cash advance
Foreign Transaction Fee3% of the transaction amount
Late Payment FeeUp to $40

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Pros & Cons

  • 10% off on your first purchase when you open account.
  • You earn $5 reward for every $100 spent at any At Home store.
  • 6 months Special financing options.
  • Birthday Bonus gift.
  • Exclusive At Home Mastercard perks.
  • You get free access to your credit score.
  • High purchase APR.
  • No welcome bonus.
  • No reward and cash back on other purchases.
  • You need good credit score for approval.

How to Maximize Reward Certificates?

A good thing about this card is that you a $10 reward credit can cover the cost of an average item, like a photo frame or a tabletop. But the problem is that you have to buy a lots of decorative itmes to earn maximum reward credits. Buy more items and get more rewards.

If you spend around $166 on groceries, then you will qualify for a $5 reward credit, that’s why 3X points on groceries with this card is such a draw. That’s the cost of an average family’s weekly food shopping trip. By this way, you can earn around $20 worth of At Home credits.

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Should you apply for the At Home Mastercard Credit Card?

The most obvious answer to this question is that this card is beneficial for a regular At Home Shopper, because you can only use this card at its retailer’s stores and website. You earn $5 points for every $100 spent at At Home store.

You also earn 3% back in rewards everywhere else Mastercard is accepted. This way you can earn about $20 worth as store credits form 1 month of grocery bills. You can redeem these reward points at At Home Mastercard for one free item every month.

By the way, if you are an interior designer or decorator, this card might be an ideal option for you whether or not you are a frequent At Home Shopper. You can use this card for purchases made at other home furnishing stores.

You should get this card if:

  • If you regularly shop at At Home and want to earn rewards and redeem for shopping credits.
  • You want a $0 annual fee card.
  • If you want a card with 0% interest for 6 months on large purchases.
  • If you want an intro 10% off on first At Home Purchases.

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Eligibility Criteria for At Home Credit Card

Type of CustomerPersonal
Age above 18
Employment StatusesEmployed Full-Time
Employed Part-Time
Other
Retired
Self-Employed
Immigration StatusU.S. Citizen
U.S. Permanent Resident
Credit Needed680 – 850

At Home Credit Card Apply Process

If you want to apply for this credit card, then follow these below steps:

  • Visit the official website of At Home at athome.com.
  • Now, you will see a application form. Fill in the application form with information like your name, financial information, address and annaul income.
  • Check the information and submit your application.

At Home Credit Card Customer Service

If you are facing any problem regarding Home Credit Card, then you can reach their customer care:

  • Customer Care Number: (866) 226-5638.
  • Email Support: customer.service@mail.synchronybank.com.

At Home Card Related FAQs

What is the annual fee of At Home Mastercard Credit Card?

The annual fee of At Home Credit Card is $0.

Which Bank issues the At Home Mastercard Credit Card?

The At Home Mastercard credit card is issued by Sychrony Bank.

Is At Home Credit Card?

If you are an interior designer or decorator, this card might be an ideal option for you whether or not you are a frequent At Home Shopper. You can use this card for purchases made at other home furnishing stores.

What is the reward rate of At Home Mastercard Credit Card?

The credit card offers you following rewards:
– Earn 5X reward points for every $100 spent at At Home.
– Earn 5% back in reward on At Home purchases.
– Earn 3% back in reward on all other purchases.
– Get 10% off on your first purchase when you open an account.

What is the annual APR of At Home Mastercard Credit Card?

The annual APR of At Home Mastercard Credit Card is 32.24% which is variable.

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