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20 cards ranked

Best credit card to use at Beautyrest.

Furniture StoresHome ImprovementOnline Shopping

Beautyrest is a longstanding mattress brand under Serta Simmons Bedding, known for pocketed-coil innerspring designs and, more recently, cooling and hybrid mattress lines sold online and through furniture and mattress retailers nationwide. It's one of the oldest mattress brands in the U.S. market, with roots dating back over a century. There's no Beautyrest co-brand credit card, so a furniture store bonus category card is the strongest fit for a mattress purchase, with a general online shopping or flat-rate cashback card as the alternative when buying direct from beautyrest.com.

Picks without a tag earn at Beautyrest both in-store and online. Watch for theOnline onlytag — those bonuses only apply on beautyrest.com.

  1. #1
    US Bank Cash+ Visa Signatureif you select it
    U.S. Bank
    5% on furniture stores if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on home improvement
    3.5%5x points
  3. #3
    Bank of America Cash Rewards Securedif you select it
    Bank of America
    3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  4. #4
    Bank of America Customized Cash Rewardsif you select it
    Bank of America
    3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  5. #5
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  6. #6
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  7. #7
    Samsung Galaxy Card
    Barclays
    3% flat-rate cashback
    3% requires paying through Samsung Wallet; purchases made with the physical card or outside Samsung Wallet earn 1%
    3%
  8. #8
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on home improvement
    2.1%3x points
  9. #9
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  10. #10
    Apple Card
    Goldman Sachs
    2% flat-rate cashback
    2% Daily Cash requires paying with Apple Pay; the physical titanium card earns 1%
    2%
  11. #11
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  12. #12
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  13. #13
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  14. #14
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  15. #15
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  16. #16
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  17. #17
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  18. #18
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  19. #19
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  20. #20
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated July 25, 2026

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