Christie Matherne, Credit Card Writer
The best home improvement credit card is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 15 months from account opening and gives unlimited 2% cash rewards on all purchases. Wells Fargo Active Cash also gives you $200 cash rewards after spending $500 in the first 3 months.
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
If you’re looking to buy everything in one place, the best home improvement store credit cards are the Lowe's Store Card (5% discount on every purchase at Lowe’s) and the Home Depot® Credit Card ( 0% deferred interest for 6 - 12 months).
If you choose to go with a store-branded home improvement credit card, be careful with deferred interest. While it might let you go a long time without paying interest, it’s dangerous. You only owe no interest if you pay in full by the end of the 0% APR period. If you don’t pay in full, you owe all the interest you would have been charged during the intro period if the regular APR had been in place.
2023's Best Credit Cards
Capital One on most of those cards you don't have to pay no annual fee and its APR is usually lower than any other credit card.
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