Leon Denerus, WalletHub Analyst
@Leo.DC
The easiest home improvement credit card to get is either the Lowe's Store Card or the Home Depot Credit Card, because you can get approved for either of these cards with fair credit (credit score of at least 640).
The Lowe's Store Card offers a choice of 5% back on all purchases or special financing for 6 months of deferred interest on purchases of $299 or more. But watch out for the deferred interest - if you make a late payment or don't pay off your balance before 6 months is up, you'll owe interest on the whole initial balance, starting from the date of purchase. This card doesn't have an annual fee.
The Home Depot Credit Card, on the other hand, doesn't offer discounts or rewards of any kind. But it does have a similar deferred interest financing offer for purchases of $299 or more. The catch is the same as the Lowe's Store Card: if you don't pay off your balance within the 6 month financing period, you'll be charged interest as if the promotional APR period never existed. The Home Depot Credit Card's annual fee is $0.
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People also ask
What is the best home improvement credit card?
The best home improvement credit card is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 12 months from account opening and gives unlimited 2% cash rewards on purchases. Wells Fargo Active Cash also gives you $200 cash rewards after spending $500 on purchases in the first 3 months. The card has a regular APR of 18.99%, 23.99%, or 28.99% Variable and a $0 annual fee.
By using this card for home improvements, you’ll have over a year to pay off a costly project and will recoup some of the expense through rewards.
Best Home Improvement Credit Cards
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