We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Best credit cards for home improvement
Get up to 5% rewards and special financing on purchases.
If it’s time to upgrade your home, you might be wondering if there’s a credit card to help ease the financial burden of home improvements. There are, in fact, several excellent credit cards for home improvement — including some with great rewards and savings on interest.
Compare credit cards for home improvement
Best credit cards for home improvement
There are several great choices for home improvement purchases. Consider how much you want to spend and over what time you plan on paying off your purchases.
Best store credit card: Lowe's Advantage Card
- Everyday discounts. Enjoy 5% off eligible purchases and orders you make with your card.
- Special financing. On orders of $299 or more, you can choose to get deferred interest for six months. You must still make minimum monthly payments. Alternatively, you can choose to earn the normal 5% discount with your card.
- Fixed-payment financing. On purchases or orders of $2,000 or more, you’ll receive reduced 7.99% fixed APR. You’ll pay off the purchase in 84 fixed monthly payments.
How does Lowe’s credit card stack up against Home Depot’s credit products?
The Home Depot offers two credit products for consumers. One is the Home Depot Consumer Credit Card, which offers:
- Six months deferred interest on purchases of $299 or more.
- Up to 24 months special financing on promoted items.
For larger projects, consider the Home Depot Project Loan. It offers credit lines of up to $55,000, with 84 months to pay off purchases at a fixed 7.99% APR.
We give the edge to the Lowe’s card because it offers similar benefits and the option to earn a 5% discount on eligible purchases. Plus, you get all of this in one card.
Best for 0% intro APR: HSBC Gold Mastercard® credit card
The information about the HSBC Gold Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
- Intro APR. Get 0% intro APR on purchases and balance transfers for 18 months after account opening. After that, you’ll get a 12.74%, 16.74% or 20.74% variable APR.
- No annual fee. Not only can you get a break on interest for a certain time, you won’t have to pay an annual fee to own the card.
- Late fee waiver. HSBC will waive your first missed payment within 12 months. After you’ve used your late-fee waiver, each missed payment comes with a fee of up to $37.
Best for flat-rate rewards: PayPal Cashback Mastercard®
- Rewards. Unlimited 2% cash back on every purchase.
- No annual fee. Earn as many rewards as you’d like without paying an annual fee.
Other options for flat-rate cash back
The PayPal Cashback Mastercard® offers great flat-rate cash back for a no-annual fee card, but it doesn’t offer the highest rewards. For even higher rewards, consider the Alliant Cashback Visa® Signature Credit Card:
- It offers 3% cash back on all purchases in your first card year, and Alliant will waive your annual fee during this time.
- Starting your second card year, you’ll earn 2.5% cash back on all purchases, and you’ll pay a $99 annual fee.
You’ll earn more rewards with Alliant’s product during your first card year. But starting the second card year, you’ll need to spend around $20,000 per year to earn more rewards than you would with the PayPal card.
Try this card if you love to travel
The Chase Freedom Unlimited® offers unlimited 1.5% cash back on every purchase.
That might not sound amazing compared to what you’ll earn with the other cards. But if you pair the product with a Chase Ultimate Rewards card, such as the Chase Sapphire Preferred® Card, you can transfer your points to travel partners.
According to our valuations as of this writing, points are worth up to 2 cents each when transferred to certain airlines. That can give you an overall 3% rewards rate on every purchase.
Best for online home improvement purchases: Amazon Prime Rewards Visa Signature Card
- Rewards. Earn 5% back at Amazon.com and Whole Foods Market. Earn 2% back at gas stations, restaurants and drugstores, and 1% back on all other purchases.
- Signup bonus. After you’re approved, you’ll receive a $70 Amazon.com gift card.
- No annual fee. Save on card costs while earning strong rewards.
How we picked our best cards
We looked for cards that were most useful to consumers making home improvement purchases. These encompassed different categories, such as low interest, high rewards and simple rewards.
How to compare cards for home improvement
- Rewards or discounts.
Home improvement purchases can add up, so it can certainly help to earn rewards on your spending. Look for at least 2% to 5% rewards or discounts on your purchases.
- Special financing.
Special financing can be useful when you need to make a large purchase for your home improvement project. You can pay off your purchase with low or deferred interest, which can help you save over the long term.
- Intro APR.
With an intro APR, you can make a purchase now and pay it off slowly. You won’t pay interest if you clear your balance before your intro APR expires. As of this writing, the longest intro APR period on purchases you can get is around 18 months.
- Annual fee.
The best home improvement cards tend to have no annual fees. The Amazon Prime Rewards Visa Signature Card is one exception, as it requires an Amazon Prime subscription.
With the right card, your home improvement spending can yield strong rewards. Alternatively, you can opt for promotions that help you save on interest.
You might find another rewards credit card useful depending on which home improvement purchases you’ll make.
Frequently asked questions
Ask an Expert