bobs furniture credit card

Furnishing your home with quality and stylish furniture doesn’t have to break the bank, thanks to the Bob’s Furniture Credit Card. In this comprehensive article, we will delve into the world of Bob’s Furniture Credit Card, exploring its features, benefits, how to apply, and how it can enhance your home shopping experience across America.

bobs furniture credit card

The Bob’s Furniture Credit Card is a store-branded credit card issued by Wells Fargo Bank, N.A. It offers a variety of benefits, including:

  • 0% APR for 6 or 12 months on qualifying purchases of $249 or $499, respectively. This can be a great way to finance a large purchase without having to pay interest.
  • Special rate financing for up to 60 months on qualifying purchases of $1,999 or more. This can make it more affordable to buy big-ticket items, such as sofas and bedroom sets.
  • No annual fee. This means that you won’t have to pay an annual fee to keep your account open.
  • Rewards program. You can earn rewards points on all of your purchases. These points can be redeemed for merchandise at Bob’s Furniture stores.

The Bob’s Furniture Credit Card is a good option for people who shop at Bob’s Furniture regularly and who want to take advantage of the financing and rewards programs. However, it is important to note that the card has a relatively high APR (29.99% variable APR). If you do not pay your bill in full each month, you will be charged interest on your purchases.

Here are some tips for using the Bob’s Furniture Credit Card responsibly:

  • Make sure to pay your bill in full each month to avoid paying interest.
  • Only charge what you can afford to pay back.
  • Be aware of the card’s APR and other terms and conditions.
  • Use the card’s financing and rewards programs to your advantage.

Bob’s Discount Furniture: A Trusted Name

Bob’s Discount Furniture, founded in 1991 by Bob Kaufman, has earned a reputation for providing quality home furnishings at affordable prices. With a wide range of furniture, mattresses, and home décor, Bob’s is a go-to destination for individuals and families looking to transform their living spaces.

The Bob’s Furniture Credit Card: Unlocking Savings

The Bob’s Furniture Credit Card is a financial tool designed to enhance your shopping experience while saving you money on your furniture purchases. Here’s why it’s worth considering:

1. Exclusive Financing Offers: One of the standout features of the Bob’s Furniture Credit Card is the special financing options it offers. Cardholders can take advantage of deferred interest or low APR financing, making it easier to furnish their homes without immediately depleting their budgets.

2. No Annual Fee: The Bob’s Furniture Credit Card comes with no annual fee, ensuring that you can enjoy its benefits without worrying about additional costs.

3. Convenient Payment Options: Managing your Bob’s Furniture Credit Card is easy with online account management. You can pay your bills, view statements, and track your purchases from the comfort of your home.

4. Access to Exclusive Offers: Cardholders may receive exclusive offers and promotions, including discounts and special financing deals, providing additional opportunities to save.

5. The Bob’s Discount Advantage: As a cardholder, you can tap into Bob’s Discount Furniture’s already competitive pricing and deals, maximizing your savings.

How to Apply for the Bob’s Furniture Credit Card

Applying for the Bob’s Furniture Credit Card is a straightforward process:

  1. Visit Bob’s Furniture Store: To apply for the credit card, you can visit a Bob’s Discount Furniture store near you. Friendly store associates can assist you with the application process.
  2. Apply Online: Alternatively, you can apply for the Bob’s Furniture Credit Card online through the official website. Fill out the online application form, providing the required personal and financial information.
  3. Approval Process: Once you’ve submitted your application, it will undergo a review process. Approval decisions are typically provided within minutes, allowing you to start shopping right away if approved.
  4. Card Activation: If your application is approved, you’ll receive your Bob’s Furniture Credit Card in the mail. Activate the card according to the instructions provided.

Making the Most of Your Bob’s Furniture Credit Card

To maximize the benefits of your Bob’s Furniture Credit Card:

  1. Understand the Terms: Familiarize yourself with the credit card’s terms and conditions, including the APR, special financing offers, and payment due dates.
  2. Budget Wisely: While the card offers financing options, it’s essential to budget responsibly to avoid high-interest charges. Take advantage of special financing to pay for larger purchases over time without incurring interest.
  3. Pay on Time: Ensure that you make timely payments to maintain a positive credit history and avoid late fees.
  4. Utilize Exclusive Offers: Keep an eye out for exclusive offers and promotions available to cardholders, as these can help you save on your furniture purchases.


The Bob’s Furniture Credit Card is a valuable tool for individuals and families looking to furnish their homes with style and affordability. With exclusive financing offers, no annual fee, and convenient online account management, it provides a seamless and cost-effective way to transform your living spaces. Whether you’re in the market for a new sofa, bedroom set, or dining table, the Bob’s Furniture Credit Card opens the door to a world of stylish and budget-friendly home furnishings.

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