At Home Store Card Calculator

Card Details & 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's no limit to the amount of At Home Rewards Points you can earn with the card.

  • 5x At Home

Since the At Home Store Card has no network attached to it, it can only be used at At Home stores.

Perks & Benefits

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

  • Special Financing
    • Applies to purchases of $299 or more.
    • No interest if paid in full within 6 months.

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 (SUB)

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.


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 which will make the card not worth it.

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 so 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.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

Limited Time $40 Bonus
Earn $40 or 4,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $40+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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