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® Student 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.
More Good Options
Mesa HomeownersMesa Homeowner Visa Signature3xpts/dollar3.0%return3x on home improvement, decor, maintenance, utilities, and daycare
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Apple Card Daily CashApple Card3xpts/dollar3.0%return3x on Ace Hardware (Apple Pay)
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Upgrade Cash RewardsUpgrade Triple Cash Rewards Visa3xpts/dollar3.0%return3x on Home
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Target CircleTarget Circle Credit Card5xpts/dollar5.0%return5x base rate (no bonus for Home Improvement)
Rewards Calculator
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Common Questions
What is the best credit card for Home Improvement?
The Discover it® Student 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® Student 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® Student 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?
Whether a premium card pays off depends on your total spending across all categories, not just home improvement. Premium cards typically include travel credits, lounge access, and other perks that can exceed their annual fee.
Which card earns the most if I spend $500 per month on Home Improvement?
Discover it® Student Cash Back: $300/yr, Mesa Homeowner Visa Signature: $180/yr, Apple Card: $180/yr. The Discover it® Student 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.