At Home Mastercard | Review & Rewards Point Calculator

At Home Mastercard

Card Review & Rewards Point Calculator
5x At Home
3x Grocery
Special Financing

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

The At Home Mastercard is a great choice if you frequently spend money at any At Home store. The card offers a great return on your At Home spend, a solid return on grocery, and grants access to 6-month special financing on larger purchases. It's hard to find a card that offers a steady, high return in the home decor department so this can be a very useful card to have.

Bonus Categories

The At Home Mastercard features two bonus categories which are At Home and grocery purchases. There's no limit to the amount of bonus points you can earn spending in either bonus category and no limit to the amount of points you can earn with the card overall.

5x At Home

The At Home Mastercard earns 5 At Home Rewards Points per $1 spent at any At Home store. With At Home Rewards Points being worth 1 cent each, this is equal to a 5% return which is pretty great for a home decor store. This type of return will be hard to match as home decor isn't a frequently seen bonus category. That's why the At Home Mastercard will be the best option if you typically shop at their stores.

3x Grocery

When you use the At Home Mastercard at grocery stores, you will earn 3 At Home Rewards Points per $1 spent. Grocery will be places like Publix, Winn-Dixie, Kroger, Meijer, Vons, and Giant Eagle. Warehouse clubs and superstores like Target, Walmart, and Sam's Club do not qualify as grocery stores.

Grocery purchases will be equal to earning a 3% return. This is about the average for a card that has no annual fee. If you don't mind your rewards being strictly tied to At Home, then this isn't a bad category to use your At Home Mastercard on. If you're looking for a little bit more freedom in terms of redeeming rewards, you can earn the same 3% return with the no-annual fee AMEX Blue Cash Everyday.

1x Non-Category

All other purchases made on the At Home Mastercard will earn you 1 At Home Rewards Point per $1 spent. This is a low return of 1% which is bad. I don't recommend running non-category spend on this card. You would be better off picking up a 2% cash back credit card which would earn you rewards twice as fast that you can redeem towards At Home or anywhere else you want to.

Perks and Benefits

The At Home Mastercard only grants one benefit which is special financing on At Home purchases.

Special Financing

The At Home Mastercard grants access to At Home's special financing. Purchases of $299 or more qualify for no interest if paid in full within 6 months. This can be very useful if you plan on financing a bigger purchase that you would like to space out.

Do note that minimum payments will not pay off your entire balance in 6-months. You will need to take the cost of your purchase and divide by 6 in order to see what you should be paying per month. Make sure that the last payment (6th payment) zeros out the balance otherwise you'll pay interest on the full cost from the date of purchase. Special financing is something you'll want to take very carefully and plan out properly.

Sign Up Bonus

The standard sign up bonus for the At Home Mastercard is 10% off your first purchase when you open your account. Since you're automatically signed up for the Insider Perks program, this is the same 10% discount. Make sure you have a nice sized purchase lined up before applying so that you can get some good value out of the discount.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The At Home Mastercard does not have an annual fee. This means you'll always earn a positive return when running spend through the card. Be sure to pay your balance in full every month otherwise the interest will eat away at your hard earned rewards and you'll feel like you're paying an annual fee with the high rates this card has.

Authorized User Fee

There is no fee to add additional users to the At Home Mastercard. If you have family or friends that love shopping in At Home stores, adding them will help you build points and thus get you to your At Home reward certificates faster.

Foreign Transaction Fee

The At Home Mastercard has a foreign transaction fee of 3%. This means that you will be penalized every time you use this card outside of the United States. Since all At Home's are located within the United States, there's no reason to use this card for international spending or travel.

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.
Search Results Display Here
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.

Recommended Reads

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.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

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.

About This SiteAbout The Staff

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2020 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.