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Best credit cards for home improvement

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

Updated

Fact checked
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.

We compared cards that were most useful to consumers making home improvement purchases, including their features such as interest rates, rewards and simplicity of use and introductory periods. Those cards that shined in a given category were selected for highlight on our list.

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

Lowe's Advantage Card logo
Credit recommended (-)

Min. credit score
$0
Annual fee
Up to 5x
Points

Welcome offer
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.
Annual Fee $0
Purchase APR 26.99% variable
Balance transfer APR 7.99% variable
Welcome offer Up to $100 off your first in-store Lowe's purchase
Rewards 5% off Lowe’s purchases

Best for 0% intro APR

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card logo
Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
The U.S. Bank Visa® Platinum 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 the first 20 months after account opening, then 13.99% to 23.99% variable.
  • No annual fee. This helps you save even more on your home improvement costs.
Annual Fee $0
Purchase APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards N/A

Best for flat-rate rewards

PayPal Cashback Mastercard®

PayPal Cashback Mastercard® logo
Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
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, and you'll earn your rewards up front.
  • Rewards. Unlimited 2% cash back on every purchase.
  • No annual fee. Earn as many rewards as you'd like without paying an annual fee.
Annual Fee $0
Purchase APR 19.99%, 23.99% or 26.99% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards 2% cash back on all purchases

Best for online home improvement purchases

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$70
Welcome offer
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.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $70 Amazon.com gift card upon approval
Rewards 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases

How to choose the best card for home improvement

The best home improvement cards aren’t always the cards associated with a hardware store. Here are some questions to ask yourself to help guide your decision:

  • Do you have a preferred hardware store?
    If you frequent a particular hardware store more than others, picking up an available cobranded card might offer great long-term value.
  • Do you need special financing?
    Some cards offer special financing, which can be useful when you need to make a large purchase for your home improvement project. A card with an introductory APR is also a great opportunity to pay off your home purchases interest free.
  • How long do you plan on using your card?
    The best home improvement cards tend to have no annual fees. This lets you keep using your card to earn rewards as new projects arise.

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 2.5% cash back on all purchases.
  • Your annual fee will be waived for the first year. Starting your second card year, 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 Credit card.

How to best use a credit card for home repair

Here are a few best practices for using a credit card for home improvements:

  • Grab an intro APR. Any time you’re making a big purchase, it pays to use a card with a 0% intro APR. So long as you can pay off your purchases within the intro period, you’re going to save a lot of money compared to a standard credit card.
  • Do the math. You should be realistic about your ability to pay off your balance, especially on a 0% intro APR period. Do the math beforehand to figure out how much you can afford to pay each month. If it doesn’t seem you can pay off your balance before the end of the intro period, you’ll want to reconsider or pick another card.
  • Weigh your reward and card options. It might seem obvious to choose a Loews or Home Depot store card for your improvements, but these can lack important features such as intro APR periods – in fact, many of these cards have deferred interest, which doesn’t offer the same benefit. These cards might also limit your reward options since you might find everything you need at just one store.

Should I really use a credit card for home improvements?

There are a few things to consider before using a credit card for home repairs. For example, how much is your home improvement project expected to cost? And how much money will you need for unforeseen hiccups in your project?

Compared to a home loan, a credit card likely won’t offer you as much monetary leeway. In fact, it’s possible your project costs won’t even fit on a single credit card. Remember that maxing out your credit card can lead to a dip in your credit score, especially if you don’t pay it off immediately.

A credit card could also carry a higher APR than a home equity loan. Depending on whether you receive an intro APR period, this could prove expensive over the long run.

If your home improvement project is small though, a credit card could suit your needs. There are a variety of store cards that can help you earn additional rewards on home repair purchases. You can also use a standard cashback or rewards card if you just want traditional rewards for your home improvement spending.

Compare credit cards for home improvement

Looking for a side-by-side comparison of cards great for home improvement? Select your credit range below and click on “Show cards” to start comparing.

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Home Depot Consumer Credit Card
N/A
17.99%, 21.99%, 25.99%, or 26.99% fixed
$0
Get $25 off your purchase of $25-$299, $50 off your purchase of $300-$999 or $100 off single purchase of $1,000 or more in first 30 days. All information about this card has been collected independently by Finder.
Lowe's Advantage Card
Lowe's Advantage Card
5% off Lowe’s purchases
26.99% variable
$0
Enjoy 5% off Lowe's purchases.
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Compare up to 4 providers

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 other rewards credit cards useful depending on which home improvement purchases you’ll make.

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