At Home Insider Perks® Credit Card
MastercardIssued by Synchrony Bank
Earn 5% back at At Home and 3% back everywhere else (Mastercard only), with 0% interest for 6 months on orders over $299.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
33.24% – 33.24%
0% intro APR for 6 months. Rate based on Prime Rate.
SIGN-UP BONUS
-
Get 15% off your first purchase when you open and use your At Home Insider Perks credit card.
TOP POINTS
5 points per $1
Earn 5 points for every $1 spent at At Home stores or AtHome.com.
Key Benefits
- Earn 5 points per $1 spent at At Home (effectively 5% back)
- Mastercard version earns 3 points per $1 everywhere else Mastercard is accepted
- Automatic $5 reward certificate issued for every 500 points earned ($100 spend at At Home)
- No annual fee
- Prequalify with no impact to your credit score
Important Limitations
- Carrying a long-term balance (High 33.24% APR)
- International travel (3% foreign transaction fee on Mastercard version)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| At Home Purchases | 5 points per $1 | Unlimited (no annual cap) | • At Home |
| All | 3 points per $1 | Unlimited (no annual cap) | Earn 3 points for every $1 spent everywhere else Mastercard is accepted (Mastercard version only). |
Fees & APR
ANNUAL FEE
$0
INTRO APR (6 MONTHS)
0%
REGULAR PURCHASE APR
33.24% – 33.24%
CASH ADVANCE APR
33.24% – 33.24%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
15% Welcome Discount
- ✓Receive 15% off your first purchase when you open and use your new account.
6-Month Special Financing
- ✓No interest if paid in full within 6 months on At Home purchases of $299 or more.
Security Features
- ✓$0 Fraud Liability – Protection against unauthorized charges on your account.
Best Use Cases
IDEAL FOR
- Frequent At Home shoppers furnishing or decorating a space
- Bulk purchases of home decor, holiday items, or furniture
- Users who want a high rewards rate on non-store purchases (Mastercard version)
NOT RECOMMENDED FOR
- Carrying a long-term balance (High 33.24% APR)
- International travel (3% foreign transaction fee on Mastercard version)
Maximize Your Rewards Strategy
Months 1–0.03: Hit the Bonus
- Spend $1.00 to unlock null bonus
- Effective 0% return on first $1.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Months 1–6: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 7
- Avoid 33.24% – 33.24% APR kicking in
- Calculate monthly payments needed
Earn More Points
- 5 points per $1 on At Home Purchases
- 3 points per $1 on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-855-474-7024
Terms subject to change · View full terms
Last updated: Feb 18, 2026
Popular Stores
Fetching Data ...
Categories
Fetching Data ...