The best home improvement credit card is the Capital One Quicksilver card because it offers a 0% APR for 15 months and 1.5% cash back on purchases. Plus, there’s a $150 bonus for spending $500 in the first 3 months. By using this card for home improvements, you’ll have over a year to pay back a costly project and will recoup some of the expense through rewards.
If you’re looking to buy everything in one place, the best home improvement store credit cards are the Lowe’s Store Card (5% back on all purchases) and the Home Depot Credit Card (0% deferred interest for 6-24 months). Both offer special financing, but it’s not as good as the 0% APR for 20 months available from the U.S. Bank Visa Platinum card.
Here are the best home improvement credit cards:
Capital One Quicksilver: 0% APR on purchases for 15 months. 1.5% cash back on all purchases. $150 bonus when you spend $500 in the first 3 months. $0 annual fee. Good credit needed.
U.S. Bank Visa Platinum: 0% APR on purchases for 20 months. No rewards. $0 annual fee. Excellent credit needed.
Citi Double Cash: 2% cash back on all purchases, 1% when you buy and 1% when you pay your balance. $0 annual fee. Good credit needed.
Lowe’s Store Card: 5% off all Lowe’s purchases OR 0% deferred interest for 6 months on purchases of $299+. Equal monthly payment financing of 3.99%, 5.99% or 7.99% for 36, 60 or 84 months respectively on purchases of $2,000+. $0 annual fee. Fair credit needed.
Home Depot Credit Card: 0% deferred interest for 6-24 months, depending on the amount spent. $0 annual fee. Fair credit needed.
Amazon.com Credit Card: 3-5 points per $1 on all Amazon purchases, including tools, other home-improvement supplies and decor. $50-$70 gift card after approval. $0 annual fee. Good credit needed.
If you choose to go with a store-branded home improvement credit card, beware of 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.
Cards like Quicksilver, which have true 0% APRs, only charge interest on any remaining balance after the 0% APR ends.
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