Leon Denerus, WalletHub Analyst
@Leo.DC
The easiest home improvement credit cards you can get are the Lowe's Credit Card and the Home Depot® Credit Card, because you can get approved for either of these cards with fair credit (credit score of at least 640).
Key Features of the Easiest Home Improvement Credit Cards
The Lowe's Credit Card offers a choice of 5% discount on all purchases or special financing of 0% - 9.99% for 6 - 120 months. But watch out for the deferred interest - if you make a late payment or don't pay off your balance before the intro 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 financing offer of 0% for 12 - 24 months. The Home Depot® Credit Card also uses deferred interest, so if you don't pay off your balance within the intro financing period, you'll be charged interest as if the promotional APR period never existed. The card's annual fee is $0.
Easiest Credit Cards to Get
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Easiest to Get
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Easiest Unsecured Card to Get
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Easy No Annual Fee to Get
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Rewards
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. Cardholders also earn $200 cash rewards after spending $500 on purchases in the first 3 months. The card has a regular APR of 18.49%, 24.49%, or 28.49% 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
What is the easiest jewelry credit card to get?
The easiest jewelry credit cards to get include the Helzberg Diamonds Credit Card, the Riddle's Jewelry Credit Card, the Jared Credit Card, and other jewelry store credit cards. You have about the same chance of getting all of them because they’re all store cards that require fair credit for approval. So, your best bet is to go for the card associated with whichever jewelry store you like the most. You could also consider a card affiliated with a more general store that sells...
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