Best credit card to use at Mattress Firm.

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

1. #1
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on home improvement
   3.5%5x points
2. #2
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
3. #3
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
4. #4
   
   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%
5. #5
   
   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%
6. #6
   
   The Business Platinum Card

   American Express

   2x points on home improvement (up to $2,000,000/year, then 1%)

   U.S. construction material and hardware suppliers; up to $2 million per calendar year across all 2x purchases, then 1x
   2.4%2x points
7. #7
   
   Wells Fargo Choice Privileges Mastercard

   Wells Fargo

   3x points on home improvement
   2.1%3x points
8. #8
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   Eligible U.S. online retail purchases
   2.0%4x points
9. #9
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
10. #10
    
    Capital One Spark Cash Plus

    Capital One

    2% flat-rate cashback
    2%
11. #11
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
12. #12
    
    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%
13. #13
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
14. #14
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
15. #15
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
16. #16
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
17. #17
    
    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%
18. #18
    
    PenFed Power Cash Rewards Visa Signature

    PenFed Credit Union

    2% flat-rate cashback

    2% with PenFed Honors Advantage (current or former military, or a PenFed Access America checking account); 1.5% otherwise
    2%
19. #19
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
20. #20
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%

King-size mattress sets routinely cross $2,000, making Mattress Firm useful for clearing signup bonus minimums on cards like the Amex Gold or Chase Sapphire Preferred. The retailer also offers Synchrony-issued financing with promotional zero-interest windows. Paying with a 2 percent flat-rate card such as the Citi Double Cash and avoiding interest charges typically produces a better net outcome.

Last updated October 23, 2026