At Home Mastercard Calculator

Card Details & 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
  • 3x Grocery
  • 1x Non-Category

With At Home Rewards Points being worth 1 cent each, this is equal to a 5% return on At Home spend 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. This is one of the reasons why the At Home Mastercard will be one of the top options if you typically shop at their stores.

Perks & Benefits

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

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

Just remember 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 if you want even payments. 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 want to take very carefully and plan out properly.

Sign Up Bonus (SUB)

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.


Annual Fee

The At Home Mastercard does not have an annual fee which is great for the 5% return it offers on At Home purchases. Just be sure to pay your balance in full every month otherwise the interest will eat away at your rewards.

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 internationally. 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.

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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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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.
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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.
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Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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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.
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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Annual Fee
Auth User Fee
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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.

At Home Mastercard FAQ

What's the rewards earning rates on the At Home Mastercard?

The At Home Mastercard offers a 5% return on At Home purchases, 3% return on grocery, and 1% return everywhere else.

Does the At Home Mastercard have any special perks or benefits?

The At Home Mastercard offers special financing for purchases of $299 or more. This gives you 6 months of no interest if paid in full.

Does the At Home Mastercard have an annual fee?

The At Home Mastercard has no annual fee.

Is the At Home Mastercard worth applying for?

This card is a great option for anyone that spends a lot at At Home stores. It will be hard to beat a 5% return on Home Decor purchases.

Can I calculate the value of the At Home Mastercard

You can use the At Home Mastercard Calculator on this page to calculate how many points you can earn and the cash value of those points. You can also compare the results against top rewards cards.

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