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CardCurator — Rewards Intelligence
Home Improvement

Best Credit Card for The Home Depot

Compare the top credit cards to maximize your rewards every time you shop at The Home Depot.

Home improvement stores typically fall under a general retail or hardware category — cards with broad bonus structures tend to perform best here.

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.

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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 →
Compare these 3 cards side by side

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$ / month

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Common Questions

What is the best credit card to use at The Home Depot?

The Discover it® Student Cash Back is currently the top pick at The Home Depot, earning 5x points per dollar — an effective 5.0% return. 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.

How many points do I earn at The Home Depot per dollar spent?

Top cards earn between 2x and 5x at The Home Depot. Leading options include: Discover it® Student Cash Back (5x), Mesa Homeowner Visa Signature (3x), Apple Card (3x).

Does The Home Depot count as home improvement for credit card rewards?

The Home Depot typically falls under the Home Improvement category for credit card reward purposes. Cards with a home improvement spending bonus will earn an elevated rate here. Home improvement stores typically fall under a general retail or hardware category — cards with broad bonus structures tend to perform best here.

Is there a no-annual-fee card that earns well at The Home Depot?

Yes — the Discover it® Student Cash Back has no annual fee and earns 5x at The Home Depot (5.0% effective return). 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.