Best credit card to use at Living Spaces.
Living Spaces is a West Coast furniture chain with around 40 large-format showrooms across California, Texas, Arizona, Nevada, and a growing East Coast footprint. The retailer is known for in-stock sofas with same-week delivery and a wide rug assortment. Furniture purchases code as general retail, not as a home improvement bonus category on most rewards cards.
Picks without a tag earn at Living Spaces both in-store and online. Watch for theOnline onlytag — those bonuses only apply on livingspaces.com.
- #1Discover it Cash Backthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #2Discover it for Studentsthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3NHL Discover itthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #45.0%5x points
- #5Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #63.0%3x points
- #73%
- #82%
- #92%
- #10First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #11Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #12American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #13Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #142%
- #152%
- #162%
- #172%
Because Living Spaces orders frequently run into four figures, sofas and bedroom sets are excellent for clearing signup bonus minimum spend. Cards with strong base earn rates, including the Citi Double Cash and Capital One Venture X, are the practical default. Living Spaces also offers in-house financing through Synchrony for promotional zero-interest terms.
Last updated May 17, 2026