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The Best Credit Cards for Appliances
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Editor's Picks
- Best for buying appliances online: Blue Cash Everyday® Card from American Express
- Best for paying over time: Chase Freedom Unlimited®
- Best for flexible rewards and protections: Chase Freedom Flex®
- Best for Amazon shoppers: Prime Visa
Top Cards for Appliance Purchases
Blue Cash Everyday Card from American Express
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The Blue Cash Everyday® Card from American Express earns 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%. It also earns 3% at U.S. supermarkets and U.S. gas stations, each on up to $6,000 per year, then 1%, and 1% on other purchases.
If you order an appliance online, that 3% rate can apply. The card also includes Purchase Protection, which can cover a Covered Purchase for up to 90 days if it's stolen or accidentally damaged, up to $1,000 per Covered Purchase and $50,000 per account per calendar year. See the card details above for current rates and fees.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Chase Freedom Unlimited
The Chase Freedom Unlimited® earns 1.5% cash back on all purchases, 3% on dining and at drugstores, and 5% on travel purchased through Chase Travel℠. It has no annual fee.
It's a strong choice if you need time to pay: it offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, and after that, a variable APR of 18.49% to 27.99% applies. A balance transfer fee applies. Purchase Protection covers eligible new purchases for 120 days against damage or theft, up to $500 per item, and Extended Warranty Protection adds one year to eligible U.S. manufacturer's warranties of three years or less.
Chase Freedom Flex
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The Chase Freedom Flex® earns 5% cash back on up to $1,500 in combined purchases in rotating categories each quarter you activate, then 1%. It also earns 5% on Chase Travel purchases, 3% on dining and drugstores, and 1% on everything else, with no annual fee.
Freedom Flex has the same 0% intro APR for 15 months on purchases and balance transfers, then an 18.49% to 27.99% variable APR, plus the same Purchase Protection and Extended Warranty Protection as Freedom Unlimited.
Other Options to Consider
Prime Visa
If you buy appliances on Amazon, the Prime Visa earns 5% back at Amazon.com, Audible.com, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. It earns 2% at gas stations, restaurants, and on local transit and commuting, and 1% on everything else.
The card has no annual fee and an 18.99% to 27.74% variable APR. It also includes Extended Warranty Protection and Purchase Protection for 120 days, up to $500 per item.
The information for the Prime Visa has been collected independently by Kudos. The card details on this page have not been reviewed or provided by the card issuer.
How to Choose a Credit Card for Appliances
A new refrigerator or washer is a large purchase, so the card's APR and protections matter as much as its reward rate.
Key Factors
- Intro APR: A 0% intro APR on purchases lets you pay off a large appliance over time without interest, as long as you pay it off before the intro period ends.
- Welcome offer: An appliance purchase can help you meet a new card's spending requirement.
- Rewards rate: A higher rate where you shop works like a discount on the appliance.
- Purchase protection and extended warranty: These benefits can cover theft or damage soon after purchase and extend the manufacturer's warranty. Check the per-item limits, since appliances can cost more than the cap.
- Ongoing APR: The regular APR applies to any balance left after an intro period ends.
What to Watch Out For
Store financing deals for appliances are often deferred interest plans. If you don't pay the full balance before the promotion ends, you may owe interest back to the purchase date, which a true 0% intro APR card doesn't charge.
Which Card Should You Use?
- If you need time to pay, start with a card that has a long 0% intro APR on purchases, such as Freedom Unlimited or Freedom Flex.
- If you're ordering online and paying in full, a card with a high online rate, like Blue Cash Everyday, earns more on the purchase.
- If you shop on Amazon, the Prime Visa's 5% rate with an eligible Prime membership is hard to beat.
- If protection matters most, compare each card's purchase protection limit and whether it offers extended warranty coverage.
How to Maximize Your Return on Appliances
- Check card-linked offers. Your card account may have offers from appliance retailers that add a statement credit or bonus points.
- Time it with a welcome offer. A large appliance purchase can help you meet a new card's spending requirement.
- Keep your receipts. Purchase protection and extended warranty claims require documentation.
Get More With Kudos
The free Kudos browser extension recommends the card in your wallet that earns the most at checkout and can autofill it for you. Kudos Boost adds extra rewards at more than 15,000 partner stores on top of your card rewards.
With Kudos Premium, card-linked offers from Amex, Chase, Citi, Bank of America, and Wells Fargo are activated automatically, so you don't miss a retailer offer before a big purchase.
Other Things to Consider
A store credit card may offer special financing or a discount on a large appliance, but it usually lacks the flexibility of a general rewards card. Whichever card you choose, have a plan to pay off the balance before any intro period ends.
For more on the cards above, read our reviews of the Blue Cash Everyday Card, Chase Freedom Unlimited, and Chase Freedom Flex.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market, far more than the roughly 150 cards often featured on sites that focus on products tied to affiliate commissions.
For this guide, we compared reward rates where people buy appliances, intro APR offers, and purchase and warranty protections, using each issuer's current terms. You can explore the full dataset in the Kudos Card Explorer, where more than 95% of cards don't pay us a commission.
Frequently Asked Questions
Can I get an extended warranty on appliances with a credit card?
Yes, with some cards. Chase Freedom Unlimited, Chase Freedom Flex, and the Prime Visa extend eligible U.S. manufacturer's warranties of three years or less by one additional year.
Should I use a store credit card or a general rewards card for appliances?
It depends on the offer. Store cards may offer special financing or a one-time discount, while general rewards cards earn more flexible rewards and include protections like purchase protection.
Are there credit cards with 0% APR for large purchases like appliances?
Yes. Chase Freedom Unlimited and Chase Freedom Flex both offer a 0% intro APR for 15 months from account opening on purchases and balance transfers, then an 18.49% to 27.99% variable APR.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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