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The Best Credit Card for Home Improvement
July 1, 2025
Remodeling projects can get expensive, whether you’re renovating a fixer-upper from the ground up or just sprucing up a few aspects of your living space. One way to alleviate the financial burden is by signing up for a credit card designed specifically for home improvement spending.
Though they aren’t as “glamorous” as travel cards, home improvement cards can be a valuable addition to your wallet. This guide will cover the best home improvement cards available and help you choose the right one for your needs.
The Benefits of Home Improvement Credit Cards
Home improvement credit cards are designed with the needs of renovators and DIYers in mind. Since home improvement can get expensive, these cards usually focus on benefits related to large purchases, such as rewards or financing.
Each card is slightly different. For example, store-branded cards usually offer more unique perks and benefits than non-store-branded ones. Some common reasons to use a home improvement credit card include the following:
- Sign-up offers. Sign-up offers usually take two forms: large rewards once you hit a minimum spending amount and long-term 0% financing. Either form can result in significant savings if you know how to use it.
- Financing offers. Many home improvement credit cards offer beneficial financing options even after the initial promotional APR expires. For example, a card might offer 0% financing for a few months on larger purchases.
- Ongoing rewards. Like many credit cards, home improvement cards offer rewards like cash back or points. This class of card usually offers higher-than-average rewards rates at home improvement stores to help you maximize your earnings.
In short, home improvement credit cards are about helping you save money on home improvement by either reducing the interest you pay or giving you cash back.
Another benefit of home improvement credit cards is that they come with all the standard perks of using a credit card. These include purchase protection, flexible repayment options, and increased purchasing power.
What To Look For in Home Improvement Credit Cards
While home improvement might not be as popular a category as cash back or travel rewards, homeowners still have plenty of options. Unfortunately, choosing the right card for your situation can make it challenging.
Here, we’ll offer tips on choosing a good home improvement credit card. For more general advice, check out our guide on choosing your next credit card.
Store-branded or not?
The first thing to consider is whether you want a store-branded credit card or one that isn’t tied to a specific retailer.
Store-branded cards offer more unique perks and rewards. For example, if you do all your shopping at Home Depot, it can be advantageous to get Home Depot’s branded card. However, if you shop at many home improvement stores, you’ll likely want a card you can use anywhere.
No annual fee
With any credit card, it’s important to consider the fees you pay for the benefit of using it. In general, you should look for a home improvement card with no annual fee. If you must pay a fee, make sure you get enough value from the card to cover that fee’s cost.
Useful and easy to earn a sign-up bonus
Remodeling projects are usually pricey — making them an excellent opportunity to cash in on credit card sign-up bonuses.
These bonuses usually come in the form of “spend $X in the first three months of having the card and earn $Y.” After that, depending on the card, you could earn cash back, miles, or points. Some cards have spend requirements and bonuses in the low hundreds of dollars, while others offer as much as $1,000 or more if you spend a lot of cash.
Think about your expected spending and find a card that will give you a strong sign-up bonus.
Low interest rates
Because home improvement is pricey, you may want to pay for your purchases over time.
Look for a card with a long introductory period, 0% APR, and ongoing low rates.
What Are the Best Home Improvement Credit Cards?
We’ve researched dozens of different credit cards to find the best ones for home improvement. These are our top choices:
Destiny® Mastercard® with Instant Credit
[[ SINGLE_CARD * {"id": "3072", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Credit Builders", "headerHint": "Guaranteed Credit Limit"} ]]
The Home Depot® Consumer Credit Card
[[ SINGLE_CARD * {"id": "1071", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Home Depot Shoppers", "headerHint" : "No Annual Fee" } ]]
Lowe’s Advantage Card
[[ SINGLE_CARD * {"id": "1162", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Lowe Purchases", "headerHint" : "No Annual Fee" } ]]
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
[[ SINGLE_CARD * {"id": "3361", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Cash Back Seekers", "headerHint" : "Up to 6% Cash Back" } ]]
Bottom Line
Home improvement projects can carry a hefty price tag. But with the right card, you can spread out your card payments to make the cost more manageable. So if you’re about to take on a project, consider applying for one of the credit cards on this list.
P.S. If you haven’t yet found the card you’re looking for, check out the Kudos Explore Cards feature to discover the right card for your wallet.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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