Rooms To Go credit card review: Interest-free financing and not much else
Rooms To Go Credit Card overview
The Rooms To Go Credit Card offers appealing interest-free financing options for both new and existing cardholders, but with few other perks and no rewards, most customers will be better off with other options. Card Rating*: ⭐⭐
*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
As a general rule of thumb, store credit cards aren't great options for most readers. They tend to offer very limited perks, and, in many cases, you can only use them at the retailers with which they are associated. While this is true of the Rooms To Go Credit Card, you still may be able to justify adding it to your wallet thanks to attractive financing on large purchases.
My wife and I decided this made sense when we completely outfitted our daughter's room with new furniture after she outgrew her convertible crib in early 2020. Rather than pull a large amount of money out of savings, my wife applied for the card to utilize a promotional offer for five years of interest-free financing (with equal monthly payments). This easily fit into our monthly budget.
The Rooms To Go card requires at least fair credit, so you may be able to get approved with a credit score as low as 600.
Here's everything you need to know about the Rooms To Go Credit Card.
The information for the Rooms To Go Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Rooms To Go Credit Card pros and cons
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Rooms To Go Credit Card welcome offer
The Rooms To Go card doesn't offer a traditional sign-up bonus.
Related: Here are the best credit card welcome offers currently available
Rooms To Go Credit Card benefits
The Rooms To Go card has no annual fee, and beyond that, the most important benefit for potential cardholders involves financing for large purchases.
Right now, new cardholders won't be charged interest on purchases of $975 and up until January 2028. However, you must make a down payment equal to sales tax and delivery on your purchase and make equal monthly payments to be eligible for the delayed interest.
It is worth noting that Rooms To Go only has showrooms in 10 states across the South: Alabama, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas and Virginia. However, you may still be eligible for delivery if you live in other states. I used Rooms To Go's delivery tool and found that the following locales were in the retailer's delivery area:
- Baltimore
- Boston
- Little Rock, Arkansas
- Louisville, Kentucky
- New York City
- Oklahoma City
- Philadelphia
Earning and redeeming rewards on the Rooms To Go Credit Card
Unfortunately, the Rooms To Go card doesn't offer any rewards. As a result, the purchases you make on the card won't earn anything, so you'll need to decide if the interest-free financing offers are worth sacrificing those rewards.
Additionally, the Rooms To Go card isn't actually a credit card with a traditional network like Visa or Mastercard. Instead, it basically works as a store account and thus can only be used on Rooms To Go purchases. This really limits its utility.
Related: Store vs. cash-back credit cards: Which one should I get?
Which cards compete with the Rooms To Go Credit Card?
Given the financing focus of the Rooms To Go card and the fact that you don't earn any rewards, the primary alternatives will be credit cards with an introductory 0% annual percentage rate or solid fixed-rate earning potential:
- If you want interest-free financing: Go with a card that offers low introductory APR on purchases like the Capital One VentureOne Rewards Credit Card. You'll enjoy 0% APR on purchases and balance transfers for 15 months (18.74% to 28.74% variable APR after; balance transfer fee applies), plus a welcome bonus of 20,000 miles once you spend $500 on purchases within three months from account opening.
- If you want rewards: Opt for a 2% cash-back card like the Citi Double Cash® Card (see rates and fees). You'll enjoy 2% back on all purchases (1% when you buy and 1% when you pay your statement), including purchases at furniture retailers like Rooms To Go.
Note that some cards — like the Wells Fargo Active Cash® Card (see rates and fees) — include both of these features. You earn unlimited cash rewards on eligible purchases and enjoy 0% introductory APR on purchases and balance transfers for 12 months from account opening (after that, your variable APR will be 18.49%, 24.49%, or 28.49%). You can also earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months.
However, 18 months is generally the longest introductory 0% APR offer you'll find on standard credit cards, so if you're looking for longer interest-free financing on your Rooms To Go purchases, the Rooms To Go card may make sense.
For additional options, see our full list of the best store cards and the best cash-back credit cards.
Related: What is APR on a credit card?
Is the Rooms To Go Credit Card worth it?
For a very small minority, the Rooms To Go card can be worth it. Maybe you're moving into a new house or completely redesigning the furniture in an existing house. Perhaps your home was affected by a natural disaster, and you need new furniture now, even if you're still waiting on an insurance claim to pay out.
In these cases, you may be able to finance those purchases at Rooms To Go with no interest over multiple years.
Note that the retailer's credit card isn't the only way to finance a Rooms To Go purchase. You also have other buy now, pay later services available at checkout — including Klarna and Affirm. That said, be sure to crunch the numbers on any fees and interest to ensure you're not paying more for the same items.
Ultimately, if you want to earn rewards or have the ability to use your card at other merchants, consider other options.
Related: Best rewards credit cards
Bottom line
The Rooms To Go Credit Card offers some attractive financing offers for Rooms To Go purchases, but that's the only real reason to consider applying for the card. While it incurs no annual fee, you'll miss out on earning rewards on your purchases and can't use it at any other merchant.
Many other top credit cards may be a better fit, so explore your options before committing to the Rooms To Go card.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.