Planning a home renovation or tackling your next big DIY project? Having the right credit card can make a huge difference by offering valuable rewards, cashback, or even extended 0% APR periods to help you manage costs. Whether you’re looking to maximize savings, earn rewards, or finance a large project without interest, these are the best credit cards for home improvement.
1. Chase Freedom Unlimited®
A great all-around choice, the Chase Freedom Unlimited offers 1.5% cash back on all purchases and an introductory bonus of an extra 1.5% on purchases in the first year (up to $20,000). That means you could earn 3% back on home improvement expenses, making it a smart option for those looking for straightforward rewards. Plus, with a 15-month 0% APR on purchases, you can spread out payments without added interest.
2. Blue Cash Everyday® Card from American Express
Perfect for online shopping and everyday purchases, this card gives 3% cash back at U.S. supermarkets, gas stations, and online retail purchases (up to $6,000 annually in each category). If you plan to buy tools, furniture, or home essentials online, this card can add up to significant savings. It also offers a 15-month 0% APR, making it ideal for financing big-ticket home improvement purchases.
3. Bank of America® Customized Cash Rewards Credit Card
For those who want flexibility in rewards, this card allows you to choose your 3% cash-back category, including home improvement and furnishings. If you plan your purchases strategically, you can earn up to $75 back each quarter. Plus, if you’re a Bank of America Preferred Rewards member, you can boost your earnings to as much as 5.25% cashback. A 15-month 0% APR period on purchases adds even more value.
4. Wells Fargo Reflect® Card
If you need time to pay off a major home renovation, this card offers the longest 0% APR period available—up to 21 months. While it doesn’t offer rewards, it’s an excellent choice for financing expensive projects without accumulating interest. Just be sure to pay off the balance before the introductory period ends to avoid high variable APR charges.
5. Citi Custom Cash® Card
For longer-term projects, this card automatically applies 5% cash back to your highest spending category each month (up to $500 in spending). If your home improvement spending is spread out over several months, you can maximize rewards each billing cycle. While the 5% cap resets monthly, it’s a great option for ongoing home improvement expenses.
Choosing the right credit card for home improvement can help you save money, earn rewards, and finance large purchases more effectively. Whether you prioritize cash-back rewards or need extra time to pay off expenses, these top credit cards offer the best benefits for tackling your next home project.