Best credit cards for home improvement

Get up to 5% rewards and special financing on purchases.

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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

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.
Lowe's Advantage Card
Lowe's Advantage Card
5% off Lowe’s purchases
26.99% variable
$0
Enjoy 5% off Lowe's purchases.
N/A
17.99%, 21.99%, 25.99%, or 26.99% fixed
$0
Get $25 off your first purchase between $25 and $999 or $100 off a purchase of $1,000 or more in first 30 days from account opening.
5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
15.74% to 23.74% variable
$0
Earn 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.

Compare up to 4 providers

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

The Lowe's Advantage Card offers helpful benefits no matter how much your home improvement project costs. You’ll save 5% off eligible purchases and orders. And for larger orders, you can take advantage of deferred interest or even fixed-payment financing.
  • 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.

The HSBC Gold Mastercard® credit card is an excellent choice if you want to make home improvement purchases now and pay them off over time with zero interest. This card offers one of the longest intro APR periods on the market, with a potentially low ongoing APR.
  • 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®

If simplicity is what you’re after, it’s hard to go wrong with the PayPal Cashback Mastercard®. You’ll earn 2% cash back on every purchase, with no cap on rewards. That’s an excellent rewards rate for a no-annual-fee card. You’ll earn your rewards upfront, unlike with the Citi® Double Cash Card, which offers 1% cash back on all purchases and another 1% only after you pay them off.
  • 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

Amazon offers a huge selection of home improvement products, and it can be your go-to source if you want items shipped to you. When you spend on its website, you’ll earn an excellent 5% back. Note that you’ll need a Prime membership to get this 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.

Bottom line

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.

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