The At Home Insider Perks Credit Card offers shoppers a practical way to save and earn rewards on their purchases at At Home stores. With a focus on maximum convenience, this store card features a compelling 10% off your first purchase upon approval—a strong introductory perk for new applicants.

If you often find yourself planning larger purchases, you’ll find value in the 6 months special financing for At Home purchases of $299 or more. The card also gives back by earning you 5% in rewards for every purchase at At Home, helping you get more with every transaction. The card does not charge an annual fee, but as with many store cards, the Annual Percentage Rate (APR) is high—recent disclosures show a 34.99% purchase APR and 39.99% penalty APR for new accounts, with a $2 minimum interest charge.

How to Apply: Step-by-Step

1. Visit the At Home Credit Card application page online or in-store.

2. Fill in your personal details, including income and identification information.

3. Review the terms and conditions, which cover finance charges, interest rates, and rewards eligibility.

4. Submit your application. Approval is typically quick, and you may receive a decision within minutes.

5. If approved, you’ll receive your card and can use it immediately for savings and rewards.

Pros of the At Home Insider Perks Credit Card

The upfront 10% discount is a welcome bonus for those making a sizable first purchase. This benefit can easily offset smaller item costs or boost your spending power.

The ongoing 5% rewards returned on At Home buys means regular shoppers get significant value. Coupled with access to special financing, it’s a win for those who shop frequently or tackle big home projects.

Cons to Consider

The purchase APR is notably high, at 34.99%, and the penalty APR is 39.99%. Carrying a balance month-to-month could become expensive quickly.

The rewards, while generous for At Home purchases, are not transferable or usable outside At Home, making the card best for brand loyalists.

Verdict: Should You Apply?

The At Home Insider Perks Credit Card is packed with valuable benefits for loyal At Home customers who pay in full each month and want exclusive rewards and special promotions. If you’re a frequent shopper seeking savings, this card’s perks outweigh its cons—just be sure to manage your balance to avoid steep interest charges.