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Best Credit Cards for New Homeowners in 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated September 29, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’ve just closed on a new home, your first thought was probably one of celebration. Your second might have been about how you’re going to manage your new mortgage payment alongside other financial obligations — but don’t stress out just yet.

The right credit card, used wisely, can help you face the challenges of homeownership more easily, whether you need to buy furniture to spruce up your new place or purchase some much-needed appliances, without sinking you into unnecessary debt. Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we’ve picked some of the top cards that can help you save on any upcoming household purchases.

Best Credit Cards for New Homeowners
Best for 0% APR on purchases U.S. Bank Visa® Platinum Card
Best for a big signup bonus Chase Sapphire Preferred® Card
Best for home improvement/furnishings Bank of America® Customized Cash Rewards credit card
Best for grocery store shopping Blue Cash Preferred® Card from American Express
Best for simple cash back Citi® Double Cash Card – 18 month BT offer

Best For 0% APR on purchases

U.S. Bank Visa<sup>®</sup> Platinum Card

U.S. Bank Visa® Platinum Card

Apply Now
on U.S. Bank's secure site
Intro Purchase APR 0% intro APR for 20 billing cycles on Purchases*
Annual Fee $0*
Regular Purchase APR 14.49% - 24.49%* (Variable)

The U.S. Bank Visa® Platinum Card comes with a 0% intro APR for 20 billing cycles on Purchases*. After that, the APR is 14.49% - 24.49%* (variable). This lengthy intro period allows you to finance large purchases for almost two years without interest being assessed, making it a great option if you need to pay off new appliances or furniture over time.

The annual fee is $0*. Know that the U.S. Bank Visa® Platinum Card also comes with an intro APR on balance transfers: 0% intro APR for 20 billing cycles on Balance Transfers*, after which an APR of 14.49% - 24.49%* (Variable) will apply. So, if you’re carrying high interest debt on another card, you can move that balance to the U.S. Bank Visa® Platinum Card where 100% of your payments will be applied to the principal, rather than principal plus interest, saving you money and allowing you to pay down that debt faster.

There is no rewards program with this card, and few benefits other than cell phone insurance, but it’s a great card to have to save you on interest charges during its lengthy intro APR offers.

Once you’ve bought your new place, it’s time to make it feel like a home. Whether you’re shopping for kitchen appliances, furniture or an entertainment system, you may need to break down those expenses into more digestible payments. A card that offers a 0% introductory APR on purchases can give you an opportunity to pay off those big-ticket items over time without accruing interest charges.

The U.S. Bank Visa® Platinum Card is geared toward applicants with excellent/good credit and has few bells and whistles other than its intro APR periods.

U.S. Bank Visa® Platinum Card benefits include:

  • Cell phone protection up to $600 (with a $25 deductible) when you use your card to pay your monthly cellphone bill
  • $0* annual fee
  • Fraud protection
  • Free credit score access

The U.S. Bank Visa® Platinum Card comes with a 0% intro APR for 20 billing cycles on Purchases*. After that, the APR is 14.49% - 24.49%* (variable). This lengthy intro period allows you to finance large purchases for almost two years without interest being assessed, making it a great option if you need to pay off new appliances or furniture over time.

The annual fee is $0*. Know that the U.S. Bank Visa® Platinum Card also comes with an intro APR on balance transfers: 0% intro APR for 20 billing cycles on Balance Transfers*, after which an APR of 14.49% - 24.49%* (Variable) will apply. So, if you’re carrying high interest debt on another card, you can move that balance to the U.S. Bank Visa® Platinum Card where 100% of your payments will be applied to the principal, rather than principal plus interest, saving you money and allowing you to pay down that debt faster.

There is no rewards program with this card, and few benefits other than cell phone insurance, but it’s a great card to have to save you on interest charges during its lengthy intro APR offers.

Once you’ve bought your new place, it’s time to make it feel like a home. Whether you’re shopping for kitchen appliances, furniture or an entertainment system, you may need to break down those expenses into more digestible payments. A card that offers a 0% introductory APR on purchases can give you an opportunity to pay off those big-ticket items over time without accruing interest charges.

The U.S. Bank Visa® Platinum Card is geared toward applicants with excellent/good credit and has few bells and whistles other than its intro APR periods.

U.S. Bank Visa® Platinum Card benefits include:

  • Cell phone protection up to $600 (with a $25 deductible) when you use your card to pay your monthly cellphone bill
  • $0* annual fee
  • Fraud protection
  • Free credit score access

Best For A big signup bonus

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99% - 22.99% Variable

When you know you’re going to have to spend more than you usually do, that’s a great time to take advantage of a generous credit card sign-up bonus that can help you fund future travel — and the one from Chase Sapphire Preferred® Card has a valuable payout if you can meet the spending requirement.

For new cardmembers: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

The annual fee is $95, however, the value of the signup bonus more than makes up for that. Your Chase Ultimate Rewards points can be redeemed for everything from future travel to gift cards. Plus, when redeemed for travel, your points are worth 25% more when booked through the Chase Ultimate Rewards website.

For ongoing rewards, earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Plus, the Chase Sapphire Preferred® Card comes with a wealth of benefits geared specifically toward travelers, including a $0 foreign transaction fee when used for purchases made abroad.

If you’re a new homeowner who likes to travel, look no further than the Chase Sapphire Preferred® Card.

Along with redeeming points for cash, statement credits, gift cards, travel, and products and services, Chase Sapphire Preferred® Card holders can transfer points to a variety of travel transfer partners at a rate of 1:1.

You can transfer points at a rate of 1:1 to 11 airline partners and three hotel partners. Travel transfer partners include Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue AIR FRANCE KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.

Chase Sapphire Preferred® Card benefits include:

  • $0 foreign transaction fees
  • Trip cancellation/interruption insurance
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection
  • Extended warranty protection
  • Limited-time DoorDash benefit
  • Peloton credit through Dec. 31, 2021

When you know you’re going to have to spend more than you usually do, that’s a great time to take advantage of a generous credit card sign-up bonus that can help you fund future travel — and the one from Chase Sapphire Preferred® Card has a valuable payout if you can meet the spending requirement.

For new cardmembers: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

The annual fee is $95, however, the value of the signup bonus more than makes up for that. Your Chase Ultimate Rewards points can be redeemed for everything from future travel to gift cards. Plus, when redeemed for travel, your points are worth 25% more when booked through the Chase Ultimate Rewards website.

For ongoing rewards, earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Plus, the Chase Sapphire Preferred® Card comes with a wealth of benefits geared specifically toward travelers, including a $0 foreign transaction fee when used for purchases made abroad.

If you’re a new homeowner who likes to travel, look no further than the Chase Sapphire Preferred® Card.

Along with redeeming points for cash, statement credits, gift cards, travel, and products and services, Chase Sapphire Preferred® Card holders can transfer points to a variety of travel transfer partners at a rate of 1:1.

You can transfer points at a rate of 1:1 to 11 airline partners and three hotel partners. Travel transfer partners include Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue AIR FRANCE KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.

Chase Sapphire Preferred® Card benefits include:

  • $0 foreign transaction fees
  • Trip cancellation/interruption insurance
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection
  • Extended warranty protection
  • Limited-time DoorDash benefit
  • Peloton credit through Dec. 31, 2021

Best For Home improvement/furnishings

Bank of America<sup>®</sup> Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Apply Now
on Bank of America's secure site
Intro Purchase APR 0% Intro APR for 15 billing cycles for purchases
Annual Fee $0
Regular Purchase APR 13.99% - 23.99% Variable APR

Bank of America® Customized Cash Rewards credit card details updated Sept. 9, 2021

One thing that’s almost guaranteed once you’ve bought a house is that you’re going to have to furnish it. With the Bank of America® Customized Cash Rewards credit card, you can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases.

The categories you can choose from for the 3% rate are gas, online shopping, dining, travel, drug stores and home improvement/furnishings. It’s that last one we’re interested in — it includes hardware stores, furniture, plumbers, electricians, landscapers, carpenters and more.

Merchants that qualify for the home improvement/furnishing category include the following:

  • Ace Hardware
  • IKEA
  • Sherwin-Williams
  • Bed Bath and Beyond
  • Lowe’s
  • The Home Depot
  • Crate & Barrel
  • Menards
  • TruGreen
  • Harbor Freight Tools
  • Pottery Barn
  • Williams-Sonoma

The card charges a $0 annual fee and comes with the following signup bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

In addition, the Bank of America® Customized Cash Rewards credit card has generous intro APR offers for both purchases and balance transfers:

  • 0% Intro APR for 15 billing cycles for purchases, after which an APR of 13.99% - 23.99% Variable APR will apply.
  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, after which an APR of 13.99% - 23.99% Variable APR will apply.

The Bank of America® Customized Cash Rewards credit card is a good option for those who don’t want to be locked into pre-selected bonus categories that earn a higher cashback rate as the card allows you to select from six of the following categories every month: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.

It’s also a good choice for frequent spenders at grocery stores and wholesale clubs, as you’ll earn a decent cashback rate on purchases in those categories: 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases.

This card isn’t for people who don’t spend a lot in the bonus categories, as you’ll earn a subpar rate on all other purchases.

Card members have the opportunity to get 25 to 75% more cash back on every purchase as a Preferred Rewards members. To be eligible, you must have an active, eligible Bank of America checking account and three-month combined average daily balance of $20,000 or more in qualifying Bank of America deposit accounts and/or Merrill investment accounts. Note, enrollment is required.

Bank of America® Customized Cash Rewards credit card benefits include:

  • FICO® score for free
  • $0 liability guarantee: Unauthorized purchases made on your account are not at your expense.
  • Online chat: No need to call a representative. You can easily log on to online banking to chat about any questions you may have.
  • Digital wallet technology: Utilize the easy payment features of Apple Pay®, Microsoft™ Wallet, Android Pay™ or Samsung Pay to pay in-app, online or in-store.
  • Purchase and extended warranty protection

Bank of America® Customized Cash Rewards credit card details updated Sept. 9, 2021

One thing that’s almost guaranteed once you’ve bought a house is that you’re going to have to furnish it. With the Bank of America® Customized Cash Rewards credit card, you can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases.

The categories you can choose from for the 3% rate are gas, online shopping, dining, travel, drug stores and home improvement/furnishings. It’s that last one we’re interested in — it includes hardware stores, furniture, plumbers, electricians, landscapers, carpenters and more.

Merchants that qualify for the home improvement/furnishing category include the following:

  • Ace Hardware
  • IKEA
  • Sherwin-Williams
  • Bed Bath and Beyond
  • Lowe’s
  • The Home Depot
  • Crate & Barrel
  • Menards
  • TruGreen
  • Harbor Freight Tools
  • Pottery Barn
  • Williams-Sonoma

The card charges a $0 annual fee and comes with the following signup bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

In addition, the Bank of America® Customized Cash Rewards credit card has generous intro APR offers for both purchases and balance transfers:

  • 0% Intro APR for 15 billing cycles for purchases, after which an APR of 13.99% - 23.99% Variable APR will apply.
  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, after which an APR of 13.99% - 23.99% Variable APR will apply.

The Bank of America® Customized Cash Rewards credit card is a good option for those who don’t want to be locked into pre-selected bonus categories that earn a higher cashback rate as the card allows you to select from six of the following categories every month: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.

It’s also a good choice for frequent spenders at grocery stores and wholesale clubs, as you’ll earn a decent cashback rate on purchases in those categories: 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases.

This card isn’t for people who don’t spend a lot in the bonus categories, as you’ll earn a subpar rate on all other purchases.

Card members have the opportunity to get 25 to 75% more cash back on every purchase as a Preferred Rewards members. To be eligible, you must have an active, eligible Bank of America checking account and three-month combined average daily balance of $20,000 or more in qualifying Bank of America deposit accounts and/or Merrill investment accounts. Note, enrollment is required.

Bank of America® Customized Cash Rewards credit card benefits include:

  • FICO® score for free
  • $0 liability guarantee: Unauthorized purchases made on your account are not at your expense.
  • Online chat: No need to call a representative. You can easily log on to online banking to chat about any questions you may have.
  • Digital wallet technology: Utilize the easy payment features of Apple Pay®, Microsoft™ Wallet, Android Pay™ or Samsung Pay to pay in-app, online or in-store.
  • Purchase and extended warranty protection

Best For Grocery store shopping

Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR 0% on purchases for 12 months
Annual Fee $0 introductory annual fee for the first year, then $95
Regular Purchase APR 13.99%-23.99% Variable

As a new homeowner, you may find yourself cooking at home more frequently — whether to save money on dining out or just because you enjoy a good home-cooked meal.

In that case, the Blue Cash Preferred® Card from American Express is a card that rewards you generously for supermarket shopping. It offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back is redeemed as a statement credit.

The annual fee is $0 introductory annual fee for the first year, then $95 annual fee. Everything you spend after that will earn net cash back. However, if you spend approximately $1,585 per year on purchases eligible for the 6% cashback rate after the first year, you’ll recoup the annual fee.

There is also a signup bonus of $300 back after you spend $3,000 in purchases on your new card within the first 6 months.

Plus, the Blue Cash Preferred® Card from American Express offers a purchase intro rate of 0% on purchases for 12 months, after which an APR of 13.99%-23.99% variable will apply.

To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.

If you spend a large amount on groceries each month, the Blue Cash Preferred® Card from American Express may be a good fit. Along with offering one of the highest cashback rates available at U.S. supermarkets, the card offers a generous cashback rate on U.S. streaming subscriptions, transit and at U.S. gas stations.

If you max out the $6,000 spend threshold at U.S. supermarkets each year, you’ll earn $360 back annually on those purchases alone — which more than covers the card’s annual fee after the first year of card membership.

You receive cash back in the form of reward dollars that you can redeem as a statement credit. You can redeem reward dollars for statement credits in increments of $25 whenever your total balance is $25 or more, at a credit of $1 for every reward dollar redeemed.

Unlike other rewards credit cards, you can’t transfer your reward dollars to an airline or hotel loyalty program. You have to redeem your cash back at American Express’ rewards website rather than the more popular Membership Rewards portal.

Here are a few other drawbacks to consider:

  • If you make purchases outside the country, you’ll pay a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
  • You need excellent/good credit to open this card.
  • You’ll lose your reward dollar balance if your account is canceled for any reason.

To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.

Blue Cash Preferred® Card from American Express benefits include:

  • Car rental loss and damage insurance
  • Access to a 24/7 Global Assist hotline for help with medical, legal, financial or other select emergency coordination and assistance services
  • Extended warranty protection
  • Return protection on retail items
  • Purchase protection
  • Military benefits
  • Baggage insurance
  • Trip delay, cancellation and interruption insurance
  • Cellphone protection

As a new homeowner, you may find yourself cooking at home more frequently — whether to save money on dining out or just because you enjoy a good home-cooked meal.

In that case, the Blue Cash Preferred® Card from American Express is a card that rewards you generously for supermarket shopping. It offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back is redeemed as a statement credit.

The annual fee is $0 introductory annual fee for the first year, then $95 annual fee. Everything you spend after that will earn net cash back. However, if you spend approximately $1,585 per year on purchases eligible for the 6% cashback rate after the first year, you’ll recoup the annual fee.

There is also a signup bonus of $300 back after you spend $3,000 in purchases on your new card within the first 6 months.

Plus, the Blue Cash Preferred® Card from American Express offers a purchase intro rate of 0% on purchases for 12 months, after which an APR of 13.99%-23.99% variable will apply.

To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.

If you spend a large amount on groceries each month, the Blue Cash Preferred® Card from American Express may be a good fit. Along with offering one of the highest cashback rates available at U.S. supermarkets, the card offers a generous cashback rate on U.S. streaming subscriptions, transit and at U.S. gas stations.

If you max out the $6,000 spend threshold at U.S. supermarkets each year, you’ll earn $360 back annually on those purchases alone — which more than covers the card’s annual fee after the first year of card membership.

You receive cash back in the form of reward dollars that you can redeem as a statement credit. You can redeem reward dollars for statement credits in increments of $25 whenever your total balance is $25 or more, at a credit of $1 for every reward dollar redeemed.

Unlike other rewards credit cards, you can’t transfer your reward dollars to an airline or hotel loyalty program. You have to redeem your cash back at American Express’ rewards website rather than the more popular Membership Rewards portal.

Here are a few other drawbacks to consider:

  • If you make purchases outside the country, you’ll pay a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
  • You need excellent/good credit to open this card.
  • You’ll lose your reward dollar balance if your account is canceled for any reason.

To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.

Blue Cash Preferred® Card from American Express benefits include:

  • Car rental loss and damage insurance
  • Access to a 24/7 Global Assist hotline for help with medical, legal, financial or other select emergency coordination and assistance services
  • Extended warranty protection
  • Return protection on retail items
  • Purchase protection
  • Military benefits
  • Baggage insurance
  • Trip delay, cancellation and interruption insurance
  • Cellphone protection

Best For Simple cash back

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card

Apply Now
on Citibank's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 13.99% – 23.99% (Variable)

This card is the leader when it comes to flat-rate cashback cards. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card card also has a good deal for those looking to transfer debt from a high-interest card and pay it off during a 0% intro APR period. The card has a $0 annual fee.

There is an intro APR of  0% for 18 months on balance transfers, then an APR of 13.99% – 23.99% (variable) applies. The balance transfer fee is There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

There currently is no intro APR offer on purchases, however.

The Citi® Double Cash Card , from our partner Citi, is a top-notch cashback card that also offers a lengthy intro APR period on balance transfers. Whether you’re looking to earn flat-rate cash back on every purchase or save on interest charges with a long intro APR period to pay off debt transferred from another card, the Citi® Double Cash Card is a good credit card to consider.

The cash back you earn from paying your bill is a great incentive to pay your statement in full as soon as possible so you can enjoy your cash back quicker. And there are no rotating bonus categories or caps on how much you can earn, so this card is straightforward and simple to use. Cash back can be redeemed as a statement credit, by direct deposit, as a check, or converted to Citi ThankYou points.

Citi® Double Cash Card benefits include:

  • Works with digital wallets including Apple Pay, Google Pay and Samsung Pay
  • If you’ve lost your card, Citi can usually replace it within 24 hours
  • 24-hour fraud protection (alerts if Citi spots unusual activity on the account)
  • Citi Identity Theft Solutions

This card is the leader when it comes to flat-rate cashback cards. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card card also has a good deal for those looking to transfer debt from a high-interest card and pay it off during a 0% intro APR period. The card has a $0 annual fee.

There is an intro APR of  0% for 18 months on balance transfers, then an APR of 13.99% – 23.99% (variable) applies. The balance transfer fee is There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

There currently is no intro APR offer on purchases, however.

The Citi® Double Cash Card , from our partner Citi, is a top-notch cashback card that also offers a lengthy intro APR period on balance transfers. Whether you’re looking to earn flat-rate cash back on every purchase or save on interest charges with a long intro APR period to pay off debt transferred from another card, the Citi® Double Cash Card is a good credit card to consider.

The cash back you earn from paying your bill is a great incentive to pay your statement in full as soon as possible so you can enjoy your cash back quicker. And there are no rotating bonus categories or caps on how much you can earn, so this card is straightforward and simple to use. Cash back can be redeemed as a statement credit, by direct deposit, as a check, or converted to Citi ThankYou points.

Citi® Double Cash Card benefits include:

  • Works with digital wallets including Apple Pay, Google Pay and Samsung Pay
  • If you’ve lost your card, Citi can usually replace it within 24 hours
  • 24-hour fraud protection (alerts if Citi spots unusual activity on the account)
  • Citi Identity Theft Solutions

Other cards worth considering

The Lowe’s Advantage Card is a store card that offers at Lowe’s. On purchases of $299 or more, you’ll have the chance to choose either the discount or 6 months of special financing, where you’ll pay no interest if you pay the purchase off in that time. Be aware that if you don’t pay off the purchase within the special financing time frame, you’ll be charged interest from the date of the purchase. This is known as deferred interest and can be expensive.

If you shop at Lowe’s a lot for home improvement needs, this can be a good card to have on hand.

The Target REDcard™ Credit Card is another store card worth considering. It offers 5% off at Target. In store. Online. Every time.. The discount is applied when you check out.

If you’re planning to visit Target to fill your new home with everything from kitchenware to bedding, this card can help you save on your purchases.

Buying a new home can be an exciting but also stressful time. By using the right card for your expenses, you’ve got an opportunity to save money and even put a little extra back in your wallet. And to stay out of debt, only charge what you can afford to pay off at the end of the month.

 

To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.

Glen Luke Flanagan

Overview

Glen Luke Flanagan covers credit card news for LendingTree.com. He joined the team in June 2019. His work ranges from reviews of new cards to in-depth pieces on protecting your financial information, and his background is in journalism and government communications. 

Experience

As a journalist in North Carolina and South Carolina, Glen covered topics including city government, state government, local businesses, public safety and more. During his time at The State newspaper, Glen’s work appeared on the websites of newspapers across the United States owned by The McClatchy Company. His reporting at The News Herald and The State newspaper won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.

Education

Glen earned his B.A. in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. After graduation, he participated in a Dow Jones News Fund training and internship. Out of more than 600 applicants, only 86 were accepted into the DJNF program that summer. He was later one of approximately two dozen fellows selected from journalists across the country to participate in the University of South Carolina’s 2016 Media Law School, which was sponsored by the American Board of Trial Advocates. This program gave fellows an intensive crash course in public records, bankruptcy law, podcasts and more.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.