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CardCurator — Rewards Intelligence
Home Improvement

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.

Top Pick

Best Pick
Discover it® Student Cash Back card art
Discover Miles

Discover it® Student Cash Back

5x
points per dollar
5.0%
effective return
No annual fee
annual fee

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.

More Info

More Good Options

  • Mesa Homeowner Visa Signature card art
    Mesa Homeowners
    Mesa Homeowner Visa Signature
    3x
    pts/dollar
    3.0%
    return

    3x on home improvement, decor, maintenance, utilities, and daycare

    Learn more →
  • Apple Card card art
    Apple Card Daily Cash
    Apple Card
    3x
    pts/dollar
    3.0%
    return

    3x on Ace Hardware (Apple Pay)

    Learn more →
  • Upgrade Triple Cash Rewards Visa card art
    Upgrade Cash Rewards
    Upgrade Triple Cash Rewards Visa
    3x
    pts/dollar
    3.0%
    return

    3x on Home

    Learn more →
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Home Improvement)

    Learn more →