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At Home credit card offers up to 5 points on in-store purchases in certificates redeemable only towards At Home purchases. If you really want to save in the long term, look at the low interest credit cards. For example, the Discover it® Cash Back credit card may be of interest to you. It comes with a 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR of 13.49% - 24.49% Variable will apply). The card has cash back rewards program - you will earn 1% cash back on all purchases and up to 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate - you will need to enroll every time a category changes to be able to earn rewards. The cash back never expire. There is no annual fee. Moreover, Discover card does not limit you in terms of redemption - you can spend earned rewards on whatever you want.