The Blue Cash Everyday Card from American Express is the best card for Homesense — it earns 2x and 2x on U.S. Department Stores (Select).
Updated May 2026
Best Credit Card for Homesense
Compare the top credit cards to maximize your rewards every time you shop at Homesense.
Homesense purchases typically code as retail or department stores. Store co-branded cards offer the highest earn rates at their specific retailer, while flexible rewards cards treat these as general spending. Cards with a broad online shopping bonus often perform best for purchases at Homesense.com.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
More Good Options
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Department Stores)
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Department Stores)
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Citi ThankYou PointsCiti Double Cash2xpts/dollar3.6%return2x base rate (no bonus for Department Stores)
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Chase Ultimate RewardsChase Freedom Unlimited1.5xpts/dollar3.0%return1.5x base rate (no bonus for Department Stores)
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Homesense, Blue Cash Everyday Card from American Express is currently our top overall pick at 2x, which works out to about 4.0% back based on CardCurator's current point valuations. 2x on U.S. Department Stores (Select). On $500/month of spend, the top card is worth about $240/year before signup bonuses or statement credits. Updated May 31, 2026. Source: https://cardcurator.ai/merchant/homesense
- Blue Cash Everyday Card from American Express: 2x and 4.0% effective return.
- At $500/month, that's about $240/year in rewards value before bonuses.
- Blue Cash Everyday Card from American Express is also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Homesense?
The Blue Cash Everyday Card from American Express is currently the top pick at Homesense, earning 2x points per dollar — an effective 4.0% return. 2x on U.S. Department Stores (Select)
How many points do I earn at Homesense per dollar spent?
Top cards earn between 1.5x and 2x at Homesense. Leading options include: Blue Cash Everyday Card from American Express (2x), Bilt Palladium Card (2x), Capital One Venture Rewards (2x).
Does Homesense count as department stores for credit card rewards?
Homesense typically falls under the Department Stores category for credit card reward purposes. Cards with a department stores spending bonus will earn an elevated rate here. Homesense purchases typically code as retail or department stores. Store co-branded cards offer the highest earn rates at their specific retailer, while flexible rewards cards treat these as general spending. Cards with a broad online shopping bonus often perform best for purchases at Homesense.com.
Is there a no-annual-fee card that earns well at Homesense?
Yes — the Blue Cash Everyday Card from American Express has no annual fee and earns 2x at Homesense (4.0% effective return). 2x on U.S. Department Stores (Select)
Is a premium card worth the annual fee for Homesense spending?
The Bilt Palladium Card ($495/yr) earns 2x at Homesense. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at Homesense?
Blue Cash Everyday Card from American Express: $240/yr, Bilt Palladium Card: $240/yr, Capital One Venture Rewards: $222/yr. The Blue Cash Everyday Card from American Express earns the most at $500/month.
Also earning in Department Stores
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.