^†$20 Bonus Reward: Subject to credit approval. To qualify for this offer, you must apply and be approved for an At Home Insider Perks ® Credit Card account between 09/25/25 – 10/30/25. Applicants who do not receive a credit decision by 10/30/2025 but are later approved will not be eligible for this offer. Limit to one offer per account. Allow up to two billing cycles from account opening for bonus reward to be sent in your billing statement. See the At Home Insider Perks® Credit Card and At Home Insider Perks® Mastercard Rewards Program Terms for details on earning and redeeming rewards.

*10% off your first purchase. Subject to credit approval. Valid for new accounts only and one offer per customer. Cannot be combined with At Home promotional discounts other than markdown and clearance priced merchandise. Offer does not apply to gift cards or taxes and cannot be applied toward prior sales. Offer excludes J.A. Henckels®. Coupon must be presented and surrendered at checkout for redemption. At Home is not responsible for and will not replace lost or stolen coupons and will not accept coupons that are electronically or mechanically reproduced, forged, defective, altered or obtained through unauthorized channels. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. No cash value.

**No interest if paid in full within six months on At Home purchases of $299 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within six months. Minimum monthly payments required. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do no interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation charges The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 1/30/2025: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. At Home Insider Perks® Mastercard: Variable Cash APR 33.99% and 5% Fee ($10 min). Foreign Trans Fee 3%. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

***Rewards: Purchases subject to credit approval. At Home Insider Perks® credit cardholders are eligible to earn rewards on purchases made with their At Home Insider Perks® Credit Card or At Home Insider Perks® Mastercard account. Rewards apply to net card purchases (purchases minus returns and adjustments). Cardholders will earn five (5) points for each dollar ($1) of net card purchases made in At Home store locations or At Home | The Home Decor & Holiday Superstore. At Home Insider Perks® Mastercard cardholders will earn three (3) points for every dollar ($1) spent in net card purchases made at any other participating merchant or services where Mastercard is accepted. Points will be deducted for any returns or credits made on the cardholder account. Points will appear on your monthly statement. A $5 reward certificate (“Reward Certificate”) will be issued for every 500 points earned. Reward Certificates may be issued in $5, $10, $15 or $20 denominations. A cardholder can receive up to four (4) Reward Certificates per statement month. Reward Certificates are valid for 90 days from issue date See the At Home Insider Perks® Credit Card and At Home Insider Perks® Mastercard Rewards Program Terms  for complete details.

‡No Annual Fee. New Accounts as of 1/30/2025: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. At Home Insider Perks® Mastercard: Variable Cash APR 33.99% and 5% Fee ($10 min). Foreign Trans Fee 3%.

‡‡Authorized users are allowed to charge on the account and will be reported to the credit bureau as an authorized user. The applicant will be liable for all transactions made on the account including those made by any authorized user.

The At Home Insider Perks® Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.