The At Home Insider Perks is a personal credit card from At Home Insider Perks. The annual fee is $0 — no annual fee. The ongoing APR is 33.49% variable. Signup bonus: 15% off your first purchase. Subject to credit approval. Valid for new accounts only and one offer per customer.. Rewards: Cardholders will earn ten (10) points for each dollar ($1) of net card purchases made in At Home store locations or at www.athome.com. This product reports activity to your personal credit report. Foreign Txn Fee: Not explicitly mentioned (typically store cards ar. Pre-qualification available (soft pull)