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Houzz Mastercard®

Houzz Mastercard®

Earn 5% Back on Houzz Purchases

Houzz Mastercard®
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99%
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • $50 welcome reward when you use your card on Houzz
  • 5% Rewards on Houzz purchases and 1% on all other purchases
  • $50 Houzz Reward when you spend $500 in the first 90 days
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99%
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

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At a Glance:

The Houzz Mastercard® Credit Card can be a good option for consumers who like to shop on this home decorating and design retail website. It allows cardholders to earn rewards credits that they can use towards future Houzz purchases. New cardholders can also earn up to $100 in rewards. What’s more, there’s no annual fee to pay for using this card. Keep reading to learn more.

Ideal for Those Who:

  • Shop for home design products and services on Houzz
  • Want to earn Houzz rewards credits when they use their credit card
  • Don’t want to pay an annual fee
  • Don’t want to pay a foreign transaction fee

Houzz Mastercard® Review

Houzz is a website where people can shop for furnishings, fixtures, and supplies for decorating or remodeling a home. Shoppers can also use the site to locate local professional ranging from interior designers to contractors and landscapers. The Houzz Mastercard credit card lets shoppers earn credits on all their purchases that they can use on the website. There are also some additional perks to this card outlined in the sections below.

Earn Houzz Rewards on All Your Purchases

The Houzz Mastercard® Credit Card allows cardholders to earn credits on almost all their purchases. Cardholders can use these credits to shop on the Houzz website for all sorts of home furnishings and remodeling items.

These credits function almost like cash back, but cardholders can only use the credits on Houzz purchases. Any purchases you make on the Houzz website qualify you for 5% back on the purchase amount. So, if you spend $100 on Houzz with your Mastercard, you earn $5 in credits.

All other purchases qualify you to earn 1% back on your purchases. These rewards are issued as certificates once a cardholder has earned enough points to qualify him or her for $25 in rewards.

This means that a cardholder must spend at least $500 on Houzz before he or she receives any rewards credits. This isn’t too hard to do on a home design site as most of the items for purchase cost several hundred dollars.

Your rewards are issued at the time of your monthly billing statement. You can view the rewards you have earned here.

It is important to note that these credits are not the same as cash. They are not transferrable and they only count towards the specified amount discounted from a qualifying Houzz purchase.

Additionally, rewards expire 90 days from the date they are issued. Essentially, if you don’t use your credits, you lose them.

New Cardholders Earn Bonus Rewards

The Houzz Mastercard offers new cardholders a $50 rewards credit bonus when they sign up for this credit card and use it for completing a transaction on the website. Cardholders can earn an additional $50 credit when then spend at least $500 anywhere else within the first 90 days of opening an account.

This bonus is in addition to the regular 1% back you earn on your non-Houzz purchases. Essentially, you earn approximately $55 if you meet the spending requirements within the first three months of having this credit card.

No Fees

Many rewards credit cards charge cardholders an annual fee, but that’s not the case with the Houzz Mastercard. There is never an annual fee to use your credit card.

Additionally, you don’t have to worry about surcharges when you use your Mastercard abroad. This credit card doesn’t charge foreign transaction fees.

Given that Mastercard is one of the most widely accepted credit cards in the world, you can travel freely and use your credit card almost anywhere. All the while, you’ll be earning rewards credits that you can use on your future Houzz purchases.

Mastercard® Benefits

There are so many benefits to owning this card besides no annual fee and earning rewards credits. Mastercard typically includes a variety of perks for its cardholders, and this card is no different.

Cardholders have access to several shopping protection benefits, included complimentary extended warranties. You can add another year free of charge to an existing manufacturer’s warranty when you pay for an item with your Mastercard.

Additionally, Mastercard can cover an item that became damaged or got stolen within 90 days of purchase. Furthermore, if you want to return an item after a retailer’s return window, you can receive a refund of up to $250. Cardholders have 60 days from the date of purchase to file a claim for a refund.

Other cardholder benefits include ID Theft Protection™, travel assistance, and travel protection. Mastercard also offers periodic promotions to its cardmembers, so you should check the Mastercard website often. For full details on all these added perks, click here.

Should You Apply to the Mastercard® from Houzz?

The Houzz Masterdcard® isn’t an ideal credit card for all consumers. Basically, this card will only benefit people who shop on Houzz or plan to buy items on this website in the future.

If you’re not already a Houzz shopper but need to purchase home furnishings, this can also be a valuable card to have provided that Houzz stocks the items you want. It’s recommended that you browse through the website first before applying to this card. If you spend and earn points strategically, you may qualify for significant savings off your purchase.

The one downside to this card is its relatively high interest rate on purchases. This is a flat interest rate that everyone receives regardless of their creditworthiness. Unless you really love shopping on Houzz, there might be home store rewards cards that offer better rates.