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Posted by Holly D. Johnson Posted by Holly D. JohnsonArrow Right Author Award-winning author Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for CreditCards.com and CreditCards.com, Johnson regularly works for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and others. Holly D. Connect with Johnson on Twitter at Holly D. Connect with Johnson on LinkedIn LinkedIn Holly D. Johnson
Best Credit Card Home Improvement
Edited by Liz Bingler Edited by Liz BinglerArrow Editing Editor Liz Bingler is an Associate Editor at CreditCards.com and focuses on product news and reviews. As an editor, his goal is to produce content that helps people make informed financial decisions. Liz Bingler
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Reviewed by Kathleen McCarthy Kathleen McCarthy Reviewed by Arrow Senior Editor Kathleen’s stories on design, travel and business have appeared in dozens of publications, including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travels, Departures and The Writer. Connect with Kathleen McCarthy on Twitter Twitter Connect with Kathleen McCarthy on LinkedIn Linkedin About Our Review Board Kathleen McCarthy
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Owning a home may be a common goal for many Americans, but it can be an expensive endeavor. In addition to regular maintenance and repairs that all homeowners expect, most people decide to spruce up their property every few years, including outdoor spaces. Add new flooring, the occasional kitchen or bathroom remodel, and other upgrades over time, and you’ll be spending pennies to keep your home in tip-top condition.
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Whether you’re buying mulch, a new kitchen backsplash, or replacing a lawnmower, a credit card can be a powerful tool for home improvement projects. Many credit cards offer special rewards when you buy your home, such as sign-up bonuses after you meet a minimum spending threshold and 0 percent APR offers on limited-time purchases, giving you an interest-free short-term home improvement loan.
There are many credit cards that can work well for DIY home repairs or even major home improvement projects. Here are our top picks.
Why we picked it: The US Bank Cash+® Visa Signature® Card is perfect for home improvements because it lets you choose two categories (out of 12) in which you’ll earn 5 percent cash back. There are several categories to choose from with this card, but options you can consider for home improvement include department stores, furniture stores, and even sporting goods stores. These can be great options for kitchen cabinets, new furniture, home decor, home appliances, and more.
Note that this 5 percent rate only applies to the first $2,000 you collect each quarter (and 1 percent again after that). However, you can easily increase this bonus to earn more rewards than usual on home improvement purchases. If you do, you’ll earn up to $100 per quarter or $400 per year in these categories alone.
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This card also earns 5 percent back on prepaid airfare, hotel stays, and car rentals through the U.S. Bank Rewards Travel Center, and 2 percent back in the everyday categories you choose (including gas stations and EV charging centers, grocery stores, and restaurants). gives All this helps you earn more rewards every quarter.
Who should apply: If you plan to do most (or all) of your home improvement purchases at a thrift store or furniture store, it’s a challenge to earn 5 percent of those purchases up to $2,000 in cash back.
Who Should Skip: If you don’t want to choose your preferred categories or change your preferred categories frequently, don’t choose this card.
Why we picked it: The Bank of America® Customized Cash Rewards Credit Card earns 3 percent cash back on eligible categories you choose. Eligible categories include home improvement, gas stations, online shopping, dining, travel and pharmacy. You’ll also get 2 percent cash back at grocery stores and wholesale clubs and 1 percent cash back on all other purchases. Note, however, that the 2 percent and 3 percent categories have a purchase limit of $2,500 per quarter (1 percent thereafter).
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You’ll earn $75 in cash back per quarter ($300 per year) if you do 3 percent in the home improvement category with Bank of America Custom Cash Rewards. Additionally, if you’re a member of the Bank’s Preferred Rewards, your rewards can be even higher, as members earn anywhere from 25 percent to 75 percent more points (depending on membership level).
You can also earn a $200 welcome bonus after spending $1,000 within the first 90 days of account opening, which you can spend on home improvements. If you need to pay off a big home improvement project over time, this card comes with a 0 percent APR on purchases for 18 billing cycles (with a variable APR of 18.24 percent to 28.24 percent).
Who should apply: This card is a good choice for those looking for a little more flexibility each quarter and in the long term, as Bank of America’s Custom Cash Rewards allows you to exchange the 3 percent home improvement category for one of five other categories. every month.
Who should miss: This card
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