The Discover it® Student Cash Back is the best card for The Home Depot — it earns 5x and 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..
Updated May 2026
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 like The Home Depot typically code as home improvement or general retail. Business cards with an office supplies or hardware category often earn well here. During renovations, concentrating large purchases on a card with a high signup bonus can yield thousands of points — a $5,000 purchase on a card requiring $4,000 spend for a 60,000-point bonus effectively pays for itself.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
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
Apple Card Daily CashApple Card3xpts/dollar3.0%return3x on Ace Hardware (Apple Pay)
More Info →
Upgrade Cash RewardsUpgrade Triple Cash Rewards Visa3xpts/dollar3.0%return3x on Home
More Info →
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Home Improvement)
More Info →
American Express Membership RewardsBlue Business Plus Credit Card from American Express2xpts/dollar4.0%return2x base rate (no bonus for Home Improvement)
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At The Home Depot, Discover it® Student Cash Back is currently our top overall pick at 5x, which works out to about 5.0% back based on 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. On $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Updated May 31, 2026. Source: https://cardcurator.ai/merchant/the-home-depot
- Discover it® Student Cash Back: 5x and 5.0% effective return.
- At $500/month, that's about $300/year in rewards value before bonuses.
- Discover it® Student Cash Back is also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
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), Apple Card (3x), Upgrade Triple Cash Rewards Visa (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 like The Home Depot typically code as home improvement or general retail. Business cards with an office supplies or hardware category often earn well here. During renovations, concentrating large purchases on a card with a high signup bonus can yield thousands of points — a $5,000 purchase on a card requiring $4,000 spend for a 60,000-point bonus effectively pays for itself.
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.
Is a premium card worth the annual fee for The Home Depot spending?
The Bilt Palladium Card ($495/yr) earns 2x at The Home Depot. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at The Home Depot?
Discover it® Student Cash Back: $300/yr, Apple Card: $180/yr, Upgrade Triple Cash Rewards Visa: $180/yr. The Discover it® Student Cash Back earns the most at $500/month.
Also earning in Home Improvement
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.