Best Credit Cards For Home Improvement Store Spending

Trips to your favorite Home Improvement store; whether it be Lowe’s, Home Depot, Harbor Freights, etc., you can always easily rack up a bill with your Home Improvement purchases. That alone is why it’s completely necessary to give you the best options to maximize your spending and giving you a list of cards that earn the best categorical bonuses on your favorite home improvement stores. Here is BCS’ favorite cards for home renovations.

Editor’s Note: Now, this isn’t specifically for home improvement stores, however, it’s only good for purchases made online. Typically, Lowes will offer some sort of 5% back when going through the UPromise portal and you will then be able to get an additional 5% back when you use your UPromise MasterCard to complete the purchase making it a solid 10% back.

Discover IT CashBack – 5x Cash Back:

The Discover It CashBack Match Card offers you the option to participate in the 5x cash back category with the category varying based on quarters. Occasionally, you will be offered 5X on Home Improvement Stores with a cap of $1,500 spending limit per quarter. However, this card works as a quarterly card and you won’t be able to take advantage of the Home Improvement offer unless you are entitled to it based on the quarter.

Discover It Cashback Match Card Summary:

• Apply Now
• Earning Rate: 5% cash back on quarterly purchases
• Annual Fee: $0
• Bonus Worth:  Total yearly maximum of $6,000 for 5% cash back purchases plus amount earned for all 1% cash purchases which does not have a limit.
• Expiration Date: None
• Additional Advice:  New customers can double the cash back earned at the end of the first year, up to the maximum of $1,500 each quarter for 5% cash back purchase categories and no limit for all other 1% cash back purchases. Refer your friends and receive $50 each, up to 10 referrals, for a total of $500 extra cash.
• Shop with Discover Deals online portal to take advantage of extra rewards since purchases are also doubled during the promotion period.  Discover makes it easy to redeem your rewards with Amazon.com and increase the value of gift cards or ecertificates by as much as $20 from over 150 top major retailers and brands.

Chase Freedom- 5% Cash Back:

Similar to the Discover IT, the Chase Freedom offers you a chance to participate in their 5% cash-back category spending with rotating categories for each quarter. Home Improvement is one of the quarterly cash-back options offered, however, again, you will not be able to reap the 5% category on Home Improvement unless unless it’s stated in the quarterly calendar that it’s a viable options for home improvement.

Chase Freedom Card Summary:

• Apply Now
• Earning Rate: 5% cash back on quarter
• Maximum Bonus: $150 Cash + additional $25 authorized user bonus
• Spending Requirement: You must spend $500 within 3 months of account opening to get the $150 bonus. You must add an authorized user and make a purchase to earn the additional $25 bonus.
• Annual Fee: $0
• Bonus Worth: That’s $175 in cash back total!
• Expiration Date: No expiration
• Additional Advice: This card is great for people looking to build credit. Having personally used this card myself, I highly recommend it. The bonus is easy to earn and you never have to worry about an annual fee.

Huntington Voice – 3% Cash Back:

The Huntington Voice Credit Card allows you to pick your 3X Rewards Category per quater making one of the choices 3X for “Home Improvement”. “If you’re a do-it-yourselfer, earn yourself triple rewards by buying tools and parts with Voice.” Keep in mind that this card does have it’s limitations, that being the $2,000 capped each quarter and you will be limited to the 3X category that you have chosen to trigger the 3X point earnings.

Editor’s Note: If you have Huntington 25 or 5 Checking account, you will get a 10% bonus on points earned for Rewards on your Huntington Voice Credit Card. However, the fees attached on both accounts doesn’t make it worth it.

Huntington Voice Credit Card Summary:

• Apply Now
• Earning Rate: 3X your choice
• Annual Fee: None
• Bonus Worth: None
• Expiration Date: None
• Additional Advice: Keep in mind that you will be capped at $2,000 a quarter

Citi Double Cash – 3% Cash Back:

The Citi® Double Cash Card earns you 2x the cash back on your every purchase plus an additional 1% as you pay for those purchases. There is no annual fee or cap restriction, so there is no limit to how much rewards you can accumulate. Now, this card isn’t specifically a card for Home Improvement Store purchases, but it could be a better option for those of you who want consistent cash-back.

Citi® Double Cash Card Summary:

• Apply Now
• Earning Rate: 2x cash back
• Annual Fee: None
• Bonus Worth: None
• Expiration Date: None
• Additional Advice: The Citi® Double Cash Card provides for a unique way to gain back money. Simply put, the more you spend, the more cash back you gain. This program offers both a high rewards rate AND an incentive to pay off off your balances.

Barclaycard Arrival Plus World Elite – 3% Cash Back:

The Barclaycard Arrival Plus™ World Elite MasterCard® earns you a 2x miles everywhere with the ability to redeem your miles for travel or cash back statement credits, gift cards and merchandise. However, the $89 annual fee that you’ll have to pay after the waived first year may discourage you a bit, but this is a pretty good card for your travel redemption needs.

Now again, this card isn’t specifically a card for Home Improvement Store purchases, but it could be a better option for those of you who want a consistent 2X everywhere + travel redemption purposes.

Barclaycard Arrival Plus World Elite MasterCard Summary:

• Apply Now
• Earning Rate: 2x everywhere
• Maximum Bonus: 50,000 Bonus Miles
• Spending Requirement:  Must spend $3,000 within first 90 days
• Annual Fee: $89 (waived for first year)
• Bonus Worth: The 50,000 Bonus Miles is worth $500
• Expiration Date: None
• Additional Advice: There is no cap on bonuses so earn as much as you can!

Conclusion:

Now, there are plenty of cards that offer a wonderful variety of cash-back structured towards giving you the most optimal rewards with your spend at those expensive Home Improvement Stores, however, some of the cards mentioned do not offer specifically target Home Improvement as a cash-back category. Ultimately, there are other options when it comes to this category and one of them being manufactured spending with gift cards towards the stores you’re comfortable with. Again, there are plenty of options and resorting to some decent cash back just for a specific category may not be the best option for you. Find out which card is right for you by checking out our complete list of Credit Card Promotions today!