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At Home mobile-enables credit applications, ups cashback rewards

At Home and Synchrony
At Home and Synchrony are expanding the At Home Rewards Program for the home décor retailer. (Photo: Business Wire)

At Home is streamlining the process of obtaining a branded credit card and increasing the money it gives back cardholders on purchases.

The value home décor retailer is partnering with consumer financing company Synchrony to streamline its branded credit card application process with mobile technology in an effort to create a better, more efficient experience for customers. By launching QR codes in-store, the retailer will simplify how customers can apply for and understand their financing options.

Synchrony’s prequalification process allows customers to scan the code using their mobile device without it affecting their credit score. Customers fill out the credit applications online, either before going to the store or in-store, and can know how much credit they can access the same day.

By letting customers use QR codes for prequalification, At Home seeks to provide a secure, private and satisfying customer experience when applying for credit, inside or outside of an At Home store.

At Home is also teaming up with Synchrony to offer an expanded At Home Rewards Program for the home décor retailer. The program enhancements now enable customers to earn 3% back in rewards on all purchases made outside At Home stores. Reward percentages are not staggered by purchase category, such as groceries, fuel or travel.

Holders of the At Home branded credit card will continue to earn 5% back in At Home Rewards on all purchases they make in At Home stores or the e-commerce site.

“This is a huge win for At Home cardholders,” said Ashley Sheetz, chief revenue and customer officer, At Home. “Whether our customers are planning to make purchases during the upcoming Holiday season or looking to outfit their home for winter, this simplified program makes every dollar count when purchasing items for their homes and takes the guesswork out of rewards.”

“These new financing options make it easier for At Home customers to purchase the products they want and need for their homes and get rewarded for it, too” said Tony Foster, senior VP, home, Synchrony. “Our research shows customers don’t want to think about which items will earn the most rewards. By offering 3% back in rewards across all purchases made outside At Home, customers get the rewards they want without any confusion.”

Based in Plano, Texas, At Home was acquired in July 2021 by private-equity firm Hellman & Friedman in an all-cash transaction valued at $2.8 billion. In June 2022, the retailer, which has a long-term goal of 700-plus stores, recently opened its 250th store, in Amherst, N.Y. and operates more than 255 stores in 40 states.

[Read More: At Home acquired for $2.8 billion]

At Home stores average about 100,000 sq. ft. and sell up to 45,000 home décor items, from furniture, rugs, wall art and housewares to tabletop, patio and holiday décor.

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