Christie Matherne, Credit Card Writer
@christie_matherne
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
If you’re looking to buy everything in one place, the best home improvement store credit cards are the Lowe's Credit Card (5% discount on every purchase at Lowe’s (exclusions apply)) and the Home Depot® Credit Card (0% deferred interest for 12 - 24 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.
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Ella Morgan, Member
@ella_morgan
For max flexibility, the Citi Custom Cash is clutch - 5% back on home improvement (up to $500/month). Pair it with the US Bank Shopper Cash Rewards (6% back at 2 stores, $1500/quarter) if you're doing bigger reno projects. Yeah, there's a $95 annual fee after Year 1, but the math works if you're spending enough.
Sierra, Member
@sierrak
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.
People also ask
What is the easiest home improvement credit card to get?
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...
read full answer by Leon Denerus, WalletHub AnalystWhat is the best credit card for a construction company?
The best credit card for a construction company is the Wells Fargo Signify Business Cash® Card because it offers an intro APR of 0% for 12 months from account opening and good rewards on purchases. Cardholders earn 2% cash rewards, plus $500 cash rewards after spending $5,000 on purchases in the first 3 months. There’s a $0 annual fee, too, for both the primary cardholder and any employees who get cards.
Best Credit Cards for a Construction Business
Credit cards with 0% intro APR offers and rewards for everyday purchases are great for construction...
read full answer by Ashley Wade, WalletHub AnalystIs the Wells Fargo Home Improvement credit card any good?
The Wells Fargo Home Improvement credit card – officially, the Home Improvement Projects Card – is a decent choice if you’re looking for a financing option for your home improvement project from a certain store. However, it is not the best credit card on the market for this kind of projects.
What to Know Before Applying for the Home Improvement Card
- The Home Improvement credit card is designed for roofing, construction, HVAC...
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