Floor And Decor Credit Card 2024 (Full Review)

The Floor And Decor credit card can be an option worth considering if you are looking to make some upgrades to you home. They have a huge selection of all types of floors, wall tiles, back splashes, and more.

Even if you are just looking to see what options are available Floor And Decor is a great place to start. Because they have one on the largest selections available and products from all of the world.


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Floor And Decor was started in the year 2000 and has one of its largest distribution centers located in Bloomingdale Georgia. It has gone through a number of transformations and has since become a publicly traded company. With plans to continue expansion across the U.S. with more store openings and more distribution centers.

Floor And Decor Credit Card By Comenity Bank

If you are looking to see what options you have to make your purchases at Floor And Decor then their branded credit card might be worth considering. The main benefit to the Comenity Floor And Decor credit card is the financing offers that it comes with. These include

  • 0% interest for 12 months on purchases over $499
  • 6.99% interest for 48 months on purchases of $2,500 or more
  • No annual fee

There are currently no rewards offered with the Floor And Decor credit card but they do offer a rewards based point system where you earn points for every dollar that you spend that can later be redeemed for merchandise, gifts cards, and other items.

Why An Alternative Card May Be Better

While the financing options that come with the Floor And Decor credit card may be attractive, there might be better options available through a general credit card that can offer you rewards on top of a 0% interest time frame.

0% APR Credit Cards

0% APR credit cards specialize on offering a no interest time period that may or may not also come with rewards on top of that. Some of the best 0 APR credit cards offer their no interest period for up to 18 months on new purchases. And if you find one with a signup bonus and rewards on top of that you may come out ahead then if you went with just the Floor And Decor credit card.

Also the 0 APR timeframe isn’t just for Floor and Decor purchases. It is for all new purchases that you make. And as with most home improvement projects you will probably be spending your hard earned money on more than just the products offered at their store.

Cash Back Credit Cards

If you want to earn cash back rewards on all of your daily purchases along with your Floor And Decor purchases then a cash back credit card is the right option. Some may also include a 0 APR time period as well.

When you earn cash back you can pretty much use it for anything that you like. The most common way is as a statement credit. So after you earn you cash back rewards from your Floor And Decor purchases you can turn around and use them to cover any other home improvement costs that you have.

Most also come with a sign up bonus after you spend a minimum amount in a certain period of time. And as with most home improvement projects the costs can add up fast. Which means you should have no problem earning your signup bonus and reinvesting it back into you home improvement project.

Travel Credit Cards

Why not let your home improvement project help you save money on your next vacation? Travel credit cards are known to have some of the biggest signup bonuses available. And you should have no problem earning it if you use it for all of your home improvement costs.

On top of that you will earn travel rewards on all of the other purchases that you make as well. Which means that after you are done doing all the work on your home and enjoying it for a little while, that much needed vacation will cost that much less if you use the rewards you earn on your travel credit card.


The Floor And Decor credit card by Comenity Bank is an attractive option if you know that you will be spending a lot at their store. But is is the best option to help you save the most money? That is up to you.

If you want to earn some real rewards for the money that you spend there along with a 0% interest period as well then you have plenty of options. 0% APR and cash back cards can both offer these types of benefits to help you get the most out of the money that you spend.

If you know that you have a big trip coming up after your home improvement project is done then why not use a travel credit card to rack up rewards with all of the money that you are going to spend. Your rarely hear of a home improvement project leading to a free vacation. But if it is large enough you might be able to earn enough rewards for just that.

So be sure to do a little extra research if you are considering the Floor And Decor branded card. To some it might make perfect sense. But to others there might be some much better options available.