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18 cards ranked

Best credit card to use at Puffy.

Furniture StoresOnline Shopping

Puffy is a direct-to-consumer mattress and bedding brand that ships foam mattresses, pillows, and sheets in a box, competing with other bed-in-a-box companies like Casper and Nectar on long sleep trials and lifetime warranties sold entirely online rather than through physical showrooms. The lineup has expanded into adjustable bed frames and bedroom furniture over time. There is no Puffy co-brand credit card, so a card that earns bonus rewards at furniture stores, or one that boosts online shopping purchases, is the better fit for a mattress or bedding purchase.

Picks without a tag earn at Puffy both in-store and online. Watch for theOnline onlytag — those bonuses only apply on puffy.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
    Bank of America Cash Rewards SecuredOnline onlyif you select it
    Bank of America
    3% on online shopping 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%
  3. #3
    Bank of America Customized Cash RewardsOnline onlyif you select it
    Bank of America
    3% on online shopping 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
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  5. #5
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  6. #6
    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%
  7. #7
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  8. #8
    Apple Card
    Goldman Sachs
    2% flat-rate cashback
    2% Daily Cash requires paying with Apple Pay; the physical titanium card earns 1%
    2%
  9. #9
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  10. #10
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  11. #11
    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%
  12. #12
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  13. #13
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  14. #14
    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%
  15. #15
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  16. #16
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  17. #17
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  18. #18
    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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