Finances

Credit card for home improvement: 4 best options

In this article, we've found the best credit cards on the market that will reward you with cash back or other perks to help you save money and make your next home improvement project a breeze.

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Choose a card to help you fund your next renovation project!

Young woman checking bills, taxes, bank account balance and calculating credit card expenses at home
Find out what are the best credit cards for home improvement. Source: Adobe Stock

Remodeling your home can be a huge and expensive project. To help you with that, we gathered the best credit cards for home improvement.

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Each has its unique set of benefits that might be helpful for your needs. And whatever card you choose, make sure to use it responsibly and enjoy your home improvement. Let’s go!

Get the best credit card for home improvement: compare four options

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Get the best credit card for home improvement and compare your options. Source: Adobe Stock

Your home is likely your biggest investment, so when it’s time for a little improvement, you’ll want to be sure that everything goes as smoothly as possible.

However, it requires money and time. And if you’re like most people, you don’t want or have enough funds to spend at once.

Luckily, there are multiple financial products to help you with that.

Credit cards, for example, can be of great help, especially when ordering supplies or making a larger purchase without breaking the bank.

And if you’re considering applying for a new credit card and using it for home improvement, you better pick one that matches your needs.

To help you with that, we’ve compiled a list of the five best credit cards for home improvement. Let’s take a look.

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Citi® Double Cash Card

Citi®  Double Cash Card is a card that offers an excellent cash-back reward program. Customers can earn it independently of where or how often they shop with this card.

Cardholders can earn 2% cash back on purchases: 1% when they make the purchases and 1% when they pay it off.

Also, this credit card charges no annual fee and offers an intro APR period in the first 18 months. Great, isn’t it?

Although it doesn’t offer many benefits, its cash-back programs will encourage you to stay on top of your payments, which can be highly beneficial in the long term.

Credit ScoreGood to excellent (At least 690);
Annual FeeNo annual fee;
Regular APR0% intro APR for 18 months on balance transfers;

Then, there will be a 17.74% – 27.74% variable APR.
Welcome bonusNone.
Rewards*2% cash back rewards (1% cash back when you buy, plus an additional 1% as you pay for those purchases).

*Terms apply.

Lowe’s Advantage Card

Another great resource is store cards. And Lowe’s Advantage Card is one of the best options currently in the market, especially if you want to take advantage of the products offered by this store.

This card offers an everyday 5% discount on eligible purchases in-store or online. However, new accounts can get a 20% discount on qualifying purchases up to $100.

The Lowe’s Advantage Card charges no annual fee. However, it has potentially high APR, so if you want to use it, make sure to do it responsibly.

Plus, it has no minimum credit score requirement. All types of credit are welcome. Let’s take a closer look at this card’s main details to help you with your decision!

Credit ScoreNo minimum requirement;
Annual FeeNo annual fee;
Regular APR26.99% variable APR for purchases;
Welcome bonus20% discount on qualifying purchases for new accounts. Up to $100;
Rewards5% discount on eligible purchases.

Chase Freedom Unlimited®

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Find out this card’s details before applying. Source: Adobe Stock

Another great card with an introductory APR period is the Chase Freedom Unlimitedi®. It can buy you time when it comes to home improvement projects.

Furthermore, this credit card charges no annual fee and has a great cash-back reward program.

Customers can earn 5% on travel purchases, 3% on drugstores, and dining at restaurants. They can also earn 1.5% on all other purchases.

Plus, cardholders will earn an extra 1.5% cash back on all categories up to $20,000 spent in the first year. An excellent way to save some money, isn’t it?

Check out the main features of this credit card below.

Credit ScoreGood to excellent (690 or higher);
Annual FeeNo annual fee;
Regular APR0% intro APR for 15 months on balance transfers and purchases;

17.99% – 26.74% variable.
Welcome bonus1.5% cash back on all purchases, up to $20,000 spent in the 1st year.
RewardsUp to 5% cash back reward.

Chase Freedom Flex℠ Credit Card

If you’re looking for a generous welcome offer, the Chase Freedom Flex℠ Credit Card is a must-have. This credit card starts by offering its customers a $0 annual fee.

Also, it has an excellent welcome bonus offer of $200 after spending $500 in the first three months.

Also, customers can enjoy a 0% APR period on purchases and balance transfers in the first 15 months.

Plus, Chase Freedom Flex℠ Credit Card offers great cash-back rewards. You can get a 5% cash back in quarterly categories when activated, up to a $1,500 maximum.

Cardholders can also get 5% cash back on travel purchases, 3% on dining and drugstores, and 1% on other purchases.

So if you want to save money while purchasing for your home improvements, Chase Freedom Flex℠ Credit Card might seem like a good option.

Below, let’s see the main details of this credit card.

Credit ScoreGood to excellent (690 or higher);
Annual FeeNo annual fee;
Regular APR0% APR for 15 months for purchases and balance transfers;

17.99% to 26.74% variable APR for purchases and balance transfer.
Welcome bonus*$200 bonus after you spend $500 on purchases in your first 3 months with the card. Plus, 5% cash back on grocery store purchases.

*Terms apply.
RewardsUp to 5% cashback.

Are you ready to get started with your next home renovation project? Great! It is time to start thinking about your next credit card.

With so many great choices available, there’s no reason not to get started today! And since we are here to help you, we have another great article.

The following post will teach you how to apply for the Chase Freedom Flex℠ Credit Card. Keep reading to learn more.

apply Chase Freedom Flex℠ Credit Card

Apply for the Chase Freedom Flex℠ Credit Card

Learn if you're eligible to apply for the Chase Freedom Flex℠ Credit Card, how long it takes before you get your decision and start enjoying the benefits of having this c

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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