At Home Store Card | Review & Rewards Point Calculator

At Home Store Card

Card Review & Rewards Point Calculator
5x At Home
Special Financing

Review the benefits of the At Home Store Card, calculate how many At Home Rewards Points you can earn based on spend, and compare against top cards.

If you're looking for card that earns rewards strictly with At Home, the At Home Store Card is the card to consider. It earns a great return on At Home spend and also allows you to partake in special financing on larger At Home purchases.

Bonus Categories

The At Home Store Card features one bonus category which is spending done at any At Home store. There is not limit to the amount of points you can earn with the At Home Store Card.

5x At Home

The At Home Store Card earns 5 At Home Rewards Points per $1 spent at any At Home store. This is equal to a hard to beat 5% return on purchases which is pretty great. If you want to maximize your earns on At Home purchases, this is a card you will want to consider as no other rewards card really comes close.

0x Non-Category

The At Home Store Card does not have a network attached to it (Mastercard, Visa, etc.), so it cannot be used outside of At Home. If you're looking to earn At Home Rewards Points on all purchases, you'll want to grab up the At Home Mastercard. You can also grab up other great rewards cards based on your spend or pick up a flat rate 2% cash back credit card.

Perks and Benefits

The At Home Store Card allows you to partake in special financing on large At Home purchases.

Special Financing

When you make a purchase of $299 or more at an At Home store with the At Home Store Card, you'll have the option to receive special financing. The special financing is no interest if paid in full within 6-months. This can be a useful benefit if you want to space out payments on a big purchases.

Special financing is something you should approach with caution. It's a nice perk for those who know how to use it and pay off the entire balance within the promotional period. Be sure to divide up your payments so that your final payment (6th payment) zeros out the balance otherwise those 6-months of interest will be stacked on top of the remaining balance.

Sign Up Bonus

The standard sign up bonus for the At Home Store Card is 10% off your first purchase at any At Home store when you open your account. This bonus is offered since you're automatically signed up for the Insider Perks program which comes with this discount.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The At Home Store Card does not have an annual fee which means you'll be earning a 5% return on all At Home purchases made on the card. Just be sure to pay off your statement in full every month otherwise you'll be hit with some high interest fees.

Authorized User Fee

The At Home Store Card does not charge an authorized user fee to add additional users to the card. If you have family and friends that love to spend cash at At Home stores, you'll benefit by adding them due to the extra points you'll receive on their purchases.

Foreign Transaction Fee

The At Home Store Card cannot be used outside of At Home since there is no network attached to it. The foreign transaction fee is not applicable to this card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-02-17
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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