7 Best Credit Cards For Home Improvements

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Last updated on March 7th, 2023

Get a fresh start on your home improvement projects by financing them with the right credit card. Choosing a credit card that fits your financial needs will hopefully benefit your pockets and your budget.

Best Credit Cards For Home Improvements

Home Improvement projects can get pricey, so having the right financial tools for them can make it a more enjoyable and affordable experience. Have look at our picks for the seven best credit cards for home improvements in 2023.

Lowe’s Advantage Card

Get Special Savings & More
  • 6 Months special financing
  • 84 Fixed monthly payments with reduced APR
☆ 5% Off
☆ Limited-time Offers Available
☆ No Annual Fee

It’s no surprise the Lowe’s Advantage Card has made our list of best credit cards for home improvements. Lowe’s is one of the largest home improvement retailers committed to helping homeowners, renters, and Pros improve their homes and businesses. The Lowe’s Advantage Card has three main benefit options to help fund your home improvement projects.

1. Get 5% off every day (on qualified purchases)
2. Six months of Special Financing (on qualified purchases)
3. 84 fixed monthly payments with reduced APR (on qualified purchases)

Furthermore, with the Lowe’s Advantage Card, there is no annual fee to worry about, so your budget can be focused on the materials you need. The financing options offered can be very convenient, especially for your larger home improvement projects. Lowe’s has a variety of services, materials, and tools for all your home improvement needs. If Lowe’s is your go-to home improvement store, the Lowe’s Advantage Card may be the right option for you.

The Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card
Make Home Repairs, Updates, & Improvements
  • 6 Months Financing on purchases
  • Up to 24 Month Financing during special promotions
☆ 1 Year to Make Returns
☆ Zero Liability on Unauthorized Charges
☆ No Annual Fee

The Home Depot Consumer Credit Card makes our list as the home improvement retail store is also one of the largest in North America. Get started on home repairs, updates, and improvements with The Home Depot Consumer Credit Card. The card benefits include the following:

• Six months of financing on purchases of $299 and up
• Up to 24 months of financing during special promotions
• 4X longer to make returns (1 Year)

Bank of America® Customized Cash Rewards Credit Card

bank of america customized cash rewards credit card 224x141
$200 Cash Rewards Bonus Offer
  • 3% cash back on the category of your choice
  • Introductory 0% APR for the first 15 billing cycles
☆ Free FICO Score Reports
☆ Contactless Payment - Tap and Pay
☆ No Annual Fee

There is no way the Bank of America® Customized Cash Rewards Credit Card would not make our list of best cards for home improvements. The Customized Cash Card is a rewards credit card that earns up to 3% cash back on a category of your choice. The 3% categories include things like gas and dining. But the category we are all here for is the home improvement category. Here’s a list of the 3% categories:

• Gas
• Online shopping
• Travel
• Dining
• Drug stores
• Home improvement

Use the Bank of America® Customized Cash Rewards Credit Card to earn 3% cash back on your home improvement project purchases. The card also earns 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. You can also take advantage of the 0% intro purchase APR for 18 months which can help save interest on your home improvement purchases. The card also features no annual fee.

Upgrade Triple Cash Rewards Visa®

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Unlimited Cash Back on Purchases
  • Earn 3% on Home, Auto and Health categories and 1% on everything else
  • No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR

The Upgrade Triple Cash Rewards Visa® card is another credit card that may be what you need for your home improvement plans. Upgrade does rewards in a unique way. With Upgrade credit cards, cardholders earn cash back on payments. This means you will earn your cash back rewards when you pay back eligible purchases. The Upgrade Triple Cash Rewards Visa® card earns unlimited 3% cash back on home, auto, and health categories, plus 1% cash back on everything else.

The home rewards category is our focus for your home improvement plans. Home purchases earn 3% cash back on things like hardware, home supply, landscaping services, plumbing, A/C, etc. Some examples of merchants you can shop at for the home category include The Home Depot, Lowe’s, Wayfair, and more. With the Upgrade Triple Cash card, you get the freedom that comes with an open-loop credit card, meaning you can use it anywhere the payment network is accepted.

Citi® Double Cash Card – 18 month BT offer

citi double cash 224x141
Earn 2% Cash Back on All Purchases
  • 0% APR on balance transfers for 18 months
  • Flexible redemption process
☆ No Rotating Categories
☆ Contactless Payment - Tap and Pay
☆ No Annual Fee

Here comes the second open-loop credit card to make our list for financing home improvements. The Citi® Double Cash Card can earn you double cash back on all your home improvement purchases. The rewards card earns 2% cash back on all purchases. So, you’re not limited to only using the card for home improvements after your projects are complete.

Due to the credit cards’ 2% flat-rate cash back, you don’t have to worry about revolving categories. The card is easy to use and keeps track of its simple rewards system. Other features on the card include a 0% intro APR on balance transfer and no annual fee.

Synchrony Premier World Mastercard®

synchrony premier mastercard 224x141
Earn 2% Cash Back on Every Purchase
  • View account balance, available credit, transactions and more 24/7
  • Get rewarded for everyday purchases
☆ No Cash Back Caps or Limits
☆ Contactless Payment - Tap and Pay
☆ No Annual Fee

Another card that earns 2% cash back as a flat rate is the Synchrony Premier World Mastercard®. If you’re looking for simple rewards for all your home improvement purchases, this credit card may be the one to fund your home improvements. Even more simple is the redemption process for your rewards. Cash back rewards for the Synchrony Premier World Mastercard can only be redeemed as statement credits. In addition, the credit card features a DoorDash DashPass membership, all for no annual fee.

Citi Custom Cash℠ Card

citi custom cash 224x141
Earn 5% Back On Your Top Spending Category
  • 0% APR for 15 months on purchases and balance transfers
  • 1% Cash back on everything else
☆ Bonus Offer Available
☆ Contactless Payment - Tap and Pay
☆ No Annual Fee

The final card on our list is the Citi Custom Cash℠ Card. The card earns 5% cash back on purchases in your top eligible spend category. Like the Bank of America® Customized Cash Rewards credit card, it features nine spend categories. The difference is that with Citi Custom Cash, you don’t pick a monthly spending category. Instead, the card will automatically earn you cash back on your highest spend category each billing cycle.

Spend Categories:

Dining Fitness clubs Grocery stores
Drugstores Gas stations Home improvement stores
Travel & transit (select) Live entertainment Streaming service (select)

One of the categories is for home improvement stores making it a convenient credit card for minor home improvement projects. We say minor because the 5% bonus cash back categories have a $500 spend limit every billing period. Any rewards earned after the $500 threshold will earn 1% cash back, with no caps. All other purchases also earn 1% cash back.

Related Article: The Best 0% Intro APR Credit Cards

Featured photo by andresr/ Getty Images Signature

About: Jeannyn
Jeannyn Gomez

Jeannyn is the Content Management Assistant for BestCards.com. In addition to serving on all aspects of social media and spreading the word on expert credit and personal finance advice, Jeannyn finds herself on quests for humor, supernatural phenomena, and conspiracy theories for fun.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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