Furnish Your Home, Earn Rewards: How Modern Credit Cards Are Turning Shopping Into Benefits

Core Insights - Credit card issuers and retailers are increasingly offering rewards programs for home goods purchases, exemplified by the new co-branded card from Crate & Barrel and CB2 [1][2] Group 1: Crate & Barrel and CB2 Visa Signature Card - The card offers 10% back in rewards on purchases at Crate & Barrel, CB2, Crate & Kids, and Hudson Grace, and 4% back at other home retailers and grocery stores [2] - A welcome bonus of $50 is available after spending $1,000, and a $100 milestone bonus is offered after $10,000 in annual spending [3] - The card features flexible financing options with 0% interest for up to 24 months on qualifying purchases, and there is no annual fee [3] Group 2: U.S. Bank Shopper Cash Rewards Visa Signature Card - This card allows users to choose two preferred retailers each quarter, earning up to 6% cash back at those stores, which include popular home goods retailers [4] - An annual fee of $95 applies after the first year [4] Group 3: Strategic Considerations for Consumers - For extensive home upgrades, a store-branded card like Crate & Barrel's may provide higher rewards, while a general-purpose rewards card may be more beneficial for shopping across multiple retailers [5] - Consumers should be aware of spending caps and merchant category limitations on rewards cards, and it is crucial to pay off balances in full to avoid credit card debt [6]