Best Credit Card for Home Improvement
Compare the top credit cards for Home Depot, Lowe's, and home improvement stores and find which one earns the most rewards.
Home Depot and Lowe's purchases typically code as home improvement or general retail. Business cards with an office supplies or hardware category often earn well here. During renovations, putting large purchases on a card with a high signup bonus can yield thousands of points.
Top Pick
Discover it Cash Back
5x on Home Improvement Stores (Q2 2026) - Online and in-store purchases at home improvement retail stores, building supply stores, home furnishing stores, home appliance stores, floor covering stores, and lawn/nursery/garden supply stores.
Note: This card has a combined $1,500 spending cap across ALL rotating categories this period. Earnings above this amount will be at the base rate. Remember to activate between 3/1/2026 - 6/14/2026.
Before you click out
- This is the best fit only if you actually spend heavily on home improvement.
- You are optimizing for rewards without taking on an annual fee.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Upgrade Cash RewardsUpgrade Triple Cash Rewards Visa3xpts/dollar3.0%return3x on Home
Apply Now
Choice PrivilegesChoice Privileges Select Mastercard5xpts/dollar3.0%return5x on gas stations, grocery stores, home improvement stores and phone plan services
Apply Now
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Home Improvement)
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Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Home Depot, Lowe's, and home improvement stores, Discover it Cash Back is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on Home Improvement Stores (Q2 2026) - Online and in-store purchases at home improvement retail stores, building supply stores, home furnishing stores, home appliance stores, floor covering stores, and lawn/nursery/garden supply stores.. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Summary generated August 5, 2026. Source: https://cardcurator.ai/best-credit-card-for/home-improvement
- Discover it Cash Back: 5x and 5.0% effective return.
- At $500/month, that's about $300/year in rewards value before bonuses.
- Discover it Cash Back is the current no-fee fallback at 5x (5.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Home Improvement?
The Discover it Cash Back is currently the top pick for Home Depot, Lowe's, and home improvement stores, earning 5x points per dollar — an effective 5.0% return.
How many points do you earn on Home Improvement purchases?
The top-rated card for Home Depot, Lowe's, and home improvement stores, the Discover it Cash Back, earns 5x per dollar — an effective return of 5.0%.
Is there a no-annual-fee card that earns rewards on Home Improvement?
Yes — the Discover it Cash Back earns 5x on Home Depot, Lowe's, and home improvement stores with no annual fee (5.0% effective return).
Is a premium card worth the annual fee for Home Improvement spending?
The Bilt Palladium Card ($495/yr) earns 2x on Home Depot, Lowe's, and home improvement stores. If you spend $1,031/month or more on home improvement, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Home Improvement?
Discover it Cash Back: $300/yr, Upgrade Triple Cash Rewards Visa: $180/yr, Apple Card: $180/yr. The Discover it Cash Back earns the most at $500/month.
Do rotating category cards earn on Home Improvement?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature home improvement as a 5% bonus category for one quarter per year. Year-round, a dedicated home improvement card typically outperforms rotating category cards since you can't always count on the bonus.