LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
August 1, 2022
*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 August 1, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
If you have a home improvement project coming up in the near future, a credit card that offers rewards on home improvement purchases can help save on some of those expenses.
In addition to rewards, the right credit card can allow you to finance big charges without paying interest for an extended period of time, as well as not charge you an annual fee.
Based on our research of cards available through LendingTree, as well as the top cards offered by major issuers, we compiled a list of the best credit cards to use for home improvements for the following categories:
With the Bank of America® Customized Cash Rewards credit card, you can earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
The home improvement/furnishings category encompasses a wide range of merchants: These include hardware stores, household appliance stores, air conditioning repair, landscaping services, roof contractors, plumbers, electricians and much more.
Plus, earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Cashback rewards can be redeemed for statement credits or deposits made directly into a Bank of America checking or savings account, or for credit to an eligible Merrill account.
The Bank of America® Customized Cash Rewards credit card charges a $0 annual fee.
If you select home improvement/furnishings as your choice category and max out the $2,500 spend cap each quarter, you can earn $300 cash back on those purchases in a year.
In addition, card members have the opportunity to get 25% to 75% more cash back on every purchase as a Preferred Rewards member — potentially boosting the cash back rate from 1% to 1.75% and 3% to 5.25%. To be eligible, you’ll need to 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. Enrollment is required.
The Bank of America® Customized Cash Rewards credit card comes with a 0% Intro APR for 15 billing cycles for purchases. After that, you’ll be subject to interest charges at a 16.24% - 26.24% Variable APR if you carry a balance from month to month on the card.
The card also offers a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 16.24% - 26.24% Variable APR on balance transfers . The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.
Additional Bank of America® Customized Cash Rewards credit card benefits include:
With the Bank of America® Customized Cash Rewards credit card, you can earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
The home improvement/furnishings category encompasses a wide range of merchants: These include hardware stores, household appliance stores, air conditioning repair, landscaping services, roof contractors, plumbers, electricians and much more.
Plus, earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Cashback rewards can be redeemed for statement credits or deposits made directly into a Bank of America checking or savings account, or for credit to an eligible Merrill account.
The Bank of America® Customized Cash Rewards credit card charges a $0 annual fee.
If you select home improvement/furnishings as your choice category and max out the $2,500 spend cap each quarter, you can earn $300 cash back on those purchases in a year.
In addition, card members have the opportunity to get 25% to 75% more cash back on every purchase as a Preferred Rewards member — potentially boosting the cash back rate from 1% to 1.75% and 3% to 5.25%. To be eligible, you’ll need to 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. Enrollment is required.
The Bank of America® Customized Cash Rewards credit card comes with a 0% Intro APR for 15 billing cycles for purchases. After that, you’ll be subject to interest charges at a 16.24% - 26.24% Variable APR if you carry a balance from month to month on the card.
The card also offers a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 16.24% - 26.24% Variable APR on balance transfers . The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.
Additional Bank of America® Customized Cash Rewards credit card benefits include:
The Chase Freedom Flex℠ lets cardholders 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Plus, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Along with gift cards and travel, rewards can be redeemed for statement credits or direct deposit into most U.S. checking and savings accounts. You can also use rewards to pay for all or part of eligible Amazon.com orders at checkout, including tax and shipping.
This $0 annual fee card comes with a 0% Intro APR on Purchases for 15 months, then a 16.49% - 25.24% Variable will apply.
There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 16.49% - 25.24% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
The Chase Freedom Flex℠ offers a generous cashback rate in popular spending categories — still you should keep in mind that the bonus categories change each quarter, so you aren’t guaranteed to earn the accelerated rate on home improvement purchases year-round. For example, the Chase cash back calendar included home improvement stores as a bonus category during the second quarter of 2021.
That said, if you make $1,500 in purchases in the rotating bonus category each quarter, you can earn $300 back on those purchases each year.
Additional Chase Freedom Flex℠ benefits include:
The Chase Freedom Flex℠ lets cardholders 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Plus, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Along with gift cards and travel, rewards can be redeemed for statement credits or direct deposit into most U.S. checking and savings accounts. You can also use rewards to pay for all or part of eligible Amazon.com orders at checkout, including tax and shipping.
This $0 annual fee card comes with a 0% Intro APR on Purchases for 15 months, then a 16.49% - 25.24% Variable will apply.
There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 16.49% - 25.24% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
The Chase Freedom Flex℠ offers a generous cashback rate in popular spending categories — still you should keep in mind that the bonus categories change each quarter, so you aren’t guaranteed to earn the accelerated rate on home improvement purchases year-round. For example, the Chase cash back calendar included home improvement stores as a bonus category during the second quarter of 2021.
That said, if you make $1,500 in purchases in the rotating bonus category each quarter, you can earn $300 back on those purchases each year.
Additional Chase Freedom Flex℠ benefits include:
With the Capital One Venture Rewards Credit Card, cardholders can earn a flat rewards rate on every purchase, which can be used to help offset the cost of future travel. Cardholders earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023.
Plus, enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
In addition to using Capital One Venture Rewards Credit Card miles to book travel on any airline — with no seat restrictions or blackout dates — miles can be redeemed for car rentals, hotels, ride-sharing apps, cruises and more. Miles can also be transferred to a number of airline and hotel partners at a rate of 1:1, including Air Canada, British Airways, Emirates Airlines, Singapore Airlines and Wyndham Hotels & Resorts.
Note, however, that the Capital One Venture Rewards Credit Card does charge an annual fee of $95.
If you want to use the rewards you earn from making home improvements to help cancel out the cost of future travel purchases, the Capital One Venture Rewards Credit Card is a solid option. Along with offering a decent rewards rate on general purchases, the card comes with a number of travel benefits and protections, such as Global Entry or TSA Precheck application credits, an auto rental collision damage waiver and travel accident insurance.
But, beware — if you carry a balance from month to month on the Capital One Venture Rewards Credit Card, you’ll be subject to interest charges at a rate of 17.49% - 25.49% (Variable) APR.
The card also charges None in foreign transaction fees — so you won’t be charged extra if you use your card to make purchases outside of the U.S.
Additional Capital One Venture Rewards Credit Card benefits:
With the Capital One Venture Rewards Credit Card, cardholders can earn a flat rewards rate on every purchase, which can be used to help offset the cost of future travel. Cardholders earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023.
Plus, enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
In addition to using Capital One Venture Rewards Credit Card miles to book travel on any airline — with no seat restrictions or blackout dates — miles can be redeemed for car rentals, hotels, ride-sharing apps, cruises and more. Miles can also be transferred to a number of airline and hotel partners at a rate of 1:1, including Air Canada, British Airways, Emirates Airlines, Singapore Airlines and Wyndham Hotels & Resorts.
Note, however, that the Capital One Venture Rewards Credit Card does charge an annual fee of $95.
If you want to use the rewards you earn from making home improvements to help cancel out the cost of future travel purchases, the Capital One Venture Rewards Credit Card is a solid option. Along with offering a decent rewards rate on general purchases, the card comes with a number of travel benefits and protections, such as Global Entry or TSA Precheck application credits, an auto rental collision damage waiver and travel accident insurance.
But, beware — if you carry a balance from month to month on the Capital One Venture Rewards Credit Card, you’ll be subject to interest charges at a rate of 17.49% - 25.49% (Variable) APR.
The card also charges None in foreign transaction fees — so you won’t be charged extra if you use your card to make purchases outside of the U.S.
Additional Capital One Venture Rewards Credit Card benefits:
The Wells Fargo Reflect® Card comes with one of the longest introductory APR periods on purchases and balance transfers currently available. The card offers a 0% intro APR up to 21 months from account opening on purchases; after that, a regular 15.24% - 27.24% variable APR applies.
In addition, cardholders receive a 0% intro APR up to 21 months from account opening on qualifying balance transfers, then a 15.24% - 27.24% variable APR applies.
The Wells Fargo Reflect® Card charges a $0 annual fee.
If your primary goal is to finance your home improvement purchases, you’ll want to choose a credit card that doesn’t charge interest on purchases for the longest period of time as possible, like the Wells Fargo Reflect® Card.
This card is also a good choice if you have a large amount of high interest credit card debt from financing a previous home improvement project, since it offers an introductory APR on balance transfers for close to two years.
That said, the Wells Fargo Reflect® Card charges balance transfer fees of 3% for 120 days from account opening, then up to 5%; min: $5, and it doesn’t offer a rewards program.
Additional Wells Fargo Reflect® Card benefits include:
The Wells Fargo Reflect® Card comes with one of the longest introductory APR periods on purchases and balance transfers currently available. The card offers a 0% intro APR up to 21 months from account opening on purchases; after that, a regular 15.24% - 27.24% variable APR applies.
In addition, cardholders receive a 0% intro APR up to 21 months from account opening on qualifying balance transfers, then a 15.24% - 27.24% variable APR applies.
The Wells Fargo Reflect® Card charges a $0 annual fee.
If your primary goal is to finance your home improvement purchases, you’ll want to choose a credit card that doesn’t charge interest on purchases for the longest period of time as possible, like the Wells Fargo Reflect® Card.
This card is also a good choice if you have a large amount of high interest credit card debt from financing a previous home improvement project, since it offers an introductory APR on balance transfers for close to two years.
That said, the Wells Fargo Reflect® Card charges balance transfer fees of 3% for 120 days from account opening, then up to 5%; min: $5, and it doesn’t offer a rewards program.
Additional Wells Fargo Reflect® Card benefits include:
With the Lowe's Advantage Card, cardholders can save 5% off your eligible purchase, or get 6 months special financing with purchases of $299 or more, or get 84 fixed monthly payments with a minimum purchase of $2,000 at 7.99% APR. Terms apply.
The Lowe's Advantage Card comes with a $0 annual fee — however, note that you can’t receive the 5% discount if you take advantage of the special financing offer. In addition, the card has a high regular APR of 26.99% variable.
If you’re planning a home improvement project, you’re likely to visit either Lowe’s or Home Depot for supplies. While both locations offer store-branded cards with special financing options, the Lowe's Advantage Card is a better choice over the The Home Depot Consumer Credit Card, since the latter provides a consistent, everyday discount and longer financing options.
Just know that if you plan to take advantage of the Lowe's Advantage Card‘s special financing, you can’t get the discount on Lowe’s purchases. Also of note, financing on this card involves deferred interest, so if you don’t pay off the purchase in full within the promotional period, you’ll be charged interest from the date of the purchase. (And with an APR of 26.99% variable, that’s likely to be expensive.)
Additional Lowe's Advantage Card benefits:
With the Lowe's Advantage Card, cardholders can save 5% off your eligible purchase, or get 6 months special financing with purchases of $299 or more, or get 84 fixed monthly payments with a minimum purchase of $2,000 at 7.99% APR. Terms apply.
The Lowe's Advantage Card comes with a $0 annual fee — however, note that you can’t receive the 5% discount if you take advantage of the special financing offer. In addition, the card has a high regular APR of 26.99% variable.
If you’re planning a home improvement project, you’re likely to visit either Lowe’s or Home Depot for supplies. While both locations offer store-branded cards with special financing options, the Lowe's Advantage Card is a better choice over the The Home Depot Consumer Credit Card, since the latter provides a consistent, everyday discount and longer financing options.
Just know that if you plan to take advantage of the Lowe's Advantage Card‘s special financing, you can’t get the discount on Lowe’s purchases. Also of note, financing on this card involves deferred interest, so if you don’t pay off the purchase in full within the promotional period, you’ll be charged interest from the date of the purchase. (And with an APR of 26.99% variable, that’s likely to be expensive.)
Additional Lowe's Advantage Card benefits:
The Amazon Prime Rewards Visa Signature Card, issued by Chase, lets cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Plus, get a $100 Amazon Gift Card instantly upon approval.
Cash back can be redeemed for statement credits to your card, deposits into a bank account, gift cards from a variety of retailers or travel.
You may not think of Amazon when you think of home improvements. But you can actually find a lot of the same tools and supplies on Amazon.com that you would at any hardware store, including light fixtures, tools, kitchen sinks, bathroom toilets and much more.
The Amazon Prime Rewards Visa Signature Card has a $0 annual fee; however, a Prime membership ($139 a year; $69 a year for students) is required. Keep in mind, though, that Prime membership also comes several valuable benefits, like free two-day shipping and access to Prime Video.
Additional Amazon Prime Rewards Visa Signature Card benefits:
The Amazon Prime Rewards Visa Signature Card, issued by Chase, lets cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Plus, get a $100 Amazon Gift Card instantly upon approval.
Cash back can be redeemed for statement credits to your card, deposits into a bank account, gift cards from a variety of retailers or travel.
You may not think of Amazon when you think of home improvements. But you can actually find a lot of the same tools and supplies on Amazon.com that you would at any hardware store, including light fixtures, tools, kitchen sinks, bathroom toilets and much more.
The Amazon Prime Rewards Visa Signature Card has a $0 annual fee; however, a Prime membership ($139 a year; $69 a year for students) is required. Keep in mind, though, that Prime membership also comes several valuable benefits, like free two-day shipping and access to Prime Video.
Additional Amazon Prime Rewards Visa Signature Card benefits:
| Credit card | Best for | Rewards rate | Annual fee |
|---|---|---|---|
| Bank of America® Customized Cash Rewards credit card | Overall credit card for home improvements | 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases | $0 |
| Capital One QuicksilverOne Cash Rewards Credit Card | Rotating bonus categories | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | $0 |
| Capital One Venture Rewards Credit Card | Travel rewards | 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023 | $95 |
| Wells Fargo Reflect® Card | Intro APR offer | None | $0 |
| Lowe's Advantage Card | Store credit card | Save 5% off your eligible purchase, or get 6 months special financing with purchases of $299 or more, or get 84 fixed monthly payments with a minimum purchase of $2,000 at 7.99% APR. Terms apply. | $0 |
| Amazon Prime Rewards Visa Card | Shopping online | 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores, 1% back on all other purchases | $0 |
To select the best credit card to use for home improvements, our credit card experts compared a broad range of credit cards on LendingTree.com and major issuer sites, including cashback cards, travel cards, low APR cards and more.
We chose our top picks based on a variety of factors, including the value of the card’s sign-up bonus, the rewards program, the annual fee and the interest rate on purchases and balance transfers.
Other factors that may come into play when making our selection include the range of benefits the card offers, such as extended warranty protection and purchase protection.
Whether you’re planning a remodel, taking on a landscaping project or making simple home repairs, you should consider a credit card that offers rewards on home improvement purchases. Along with earning cashback rewards on those purchases, you can also take advantage of a 0% introductory APR period on purchases, as well as a $0 annual fee.
Whichever card you choose, be sure to double-check with your contractor, repair person or local repair or hardware store to ensure that they accept credit cards.
A credit card that earns rewards in the form of cash back — in the form of a percentage of your purchase amount — is a cashback credit card. By contrast, some credit cards earn rewards in the form of points or miles, while some don’t earn rewards at all.
It depends on what you want to get out of the card. For example, if you want to earn rewards to help offset the cost of travel, a card that offers points or miles may be the better choice. But if you prefer simplicity, you’ll most likely have an easier time tracking the value of your rewards with a cashback credit card.
A balance transfer is the process of moving existing debt from one credit card to another. Because balance transfer credit cards provide lower introductory interest rates, they can help you pay off your other high-interest credit card debt faster by allowing you to save on interest charges.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
