Debit Cards

Better Home Card review: rates, terms, fees and more

Our in-depth review will determine if the Better Home Card is a good fit for you. We compare rates, terms, and fees to help you make the best decision. Keep reading to learn more!

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Better Home Card: Up to 20% cash back reward on select retailers

Better Home Card
Better Home Card review! Source: The Insider Advisor

Home improvements can result in massive expenses. Luckily, there are ways for you to go through that process more easily! In this Better Home Card review, we’ll show you how.

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Better Home Card: how to apply

Learn how to apply for the Better Home Card easily and get the home improvement help you need! Enjoy up to 20% cash back!

Keep reading and learn more about this card, including rates, fees, pros, and cons. By the end of this post, you’ll be able to make a more informed decision. Let’s go!

Credit Score680 or more;
Loan PurposeOnly for home improvement;
Loan Amounts$5,000 up to $50,000;
APRSee terms;
Terms3 or 5 years;
Origination FeeN/A;
Late FeeSee term;
Early Payoff PenaltyN/A.

Better Home Card review: what you need to know

Better Home Card is an unsecured line of credit provided by Notable Finance.

The main goal is to help homeowners with service costs related to their homes by using the line of credit issued on a debit card.

Since this product is destined for home-related expenses, it can only be used for some selected purposes.

Such as appliances, home entertainment, furniture, renovations, and home repairs.

Better Home Card allows customers to take an unsecured line of credit of up to $50,000, which can be repaid within 3 or 5 years, under a fixed interest rate of up to 15.99%.

Furthermore, customers have a draw period of 12 months, in which they can use their limit. After that, they’ll no longer be able to use the funds, only to pay it back.

Also, this card charges no origination or application feed! Plus, Better offers up to 20% cash back rewards for qualifying purchases on participating retailers.

Customers can also enjoy rate discounts by setting autopay.

Better Home Card main features

Young redhead woman relaxing on a sofa at home with her laptop on shops online with her credit card reading information
Learn Better Home Card’s main features! Source: Freepik

Better Home Card is a great product for anyone looking for convenience and easy access to a line of credit.

Nevertheless, it would be best to look closely at its drawbacks before applying.

Below, we compare the pros and cons of the Better Home Card to help you with your decision. Check it out!

Pros

  • Up to 20% cash back on qualifying home expenses;
  • Only pay for the amount you use;
  • Enjoy competitive interest rates;
  • Get a loan of up to $50,000;
  • Apply without hurting your credit.

Cons

  • The amount can only be used for home renovations.

Credit score required to apply

To qualify for Better Home Card, borrowers must have a minimum credit score of 680. However, the higher your credit score, the higher the interest rates you’ll qualify for.

Better Home Card application process: how does it work?

Applying for the Better Home Card is a piece of cake. You can do it online by providing some basic information. Plus, it won’t require a hard credit check.

Keep reading if you’re interested in learning more about the application process for this card.

The following article will walk you through how to apply and what are the minimum borrowing requirements.

Better logo

Better Home Card: how to apply

Learn how to apply for the Better Home Card easily and get the home improvement help you need! Enjoy up to 20% cash back!

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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