Best Credit Cards For Home Improvement Projects Of April 2024

With the Citi Custom Cash® Card, you can select home improvement as your top earnings category one month and then something completely different next month. That flexibility could make it an excellent choice for short-term home projects.

Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.

Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.

Annual fee: $0

Other benefits and drawbacks: While the 5% bonus category has a $500 monthly spending cap, those who need to spend more on their home makeover can still benefit from the card’s introductory APR. New cardholders can get a 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 19.24% - 29.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum.

Custom Cash cardholders get access to Citi Entertainment to book presale tickets and exclusive events. Beyond this, the Citi Custom Cash® Card provides convenience benefits like 0% fraud liability, Mastercard ID protection and contactless pay.

Looking to finance a big home remodeling purchase with a 0% introductory APR period? If so, it’s hard to beat the Wells Fargo Reflect® Card. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 18.24%, 24.74%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies.

Rewards: This card does not earn rewards.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other Benefits and Drawbacks: Unfortunately, you won’t earn any rewards or a welcome bonus with this card. It does throw in a few additional benefits though, including up to $600 of cellphone protection (subject to a $25 deductible) and the ability to check your FICO® Score for free with Credit Close-Up℠.

The Wells Fargo Active Cash® Card is a no-nonsense cash-back card that earns 2% cash rewards on purchases. Unlike other cards on this list, the Active Cash doesn’t have an earnings cap and it doesn’t require you to meet any criteria to earn those excellent flat-rate rewards.

Rewards: Earn 2% cash rewards on purchases.

Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Annual fee: $0

Other benefits and drawbacks: The Wells Fargo Active Cash® Card’s competitive intro APR offer is another selling point if you’re looking to finance a home renovation purchase without paying interest. New cardholders get a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

If you pay your phone bill with your card, you’ll receive up to $600 of cellphone protection against theft or damage (subject to a $25 deductible). Cardholders also receive Visa Signature benefits such as 24/7 concierge service and access to the Luxury Hotel collection.

While the U.S. Bank Altitude® Reserve Visa Infinite® Card* is most known for its travel perks, it could also earn you strong rewards on your home improvement purchases provided that you’re willing to pay with your phone at checkout.

Rewards: Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases.

Welcome offer: Earn 50,000 points after spending $4,500 in the first 90 days of account opening.

Annual fee: $400

Other benefits and drawbacks: Mobile wallets that qualify for the accelerated earnings rate include Apple Pay, Google Pay or Samsung Pay. On top of earning rewards on spending, cardholders can also receive an annual statement credit of up to $325 for eligible travel and dining purchases, including takeout and delivery.

Frequent travelers will appreciate that the U.S. Bank Altitude® Reserve Visa Infinite® Card* doesn’t charge foreign transaction fees and offers a statement credit of up to $100 every four years to reimburse the application fee for TSA PreCheck® or Global Entry®. The card also provides a complimentary Priority Pass™ Select membership that grants eight free airport lounge visits per membership year.

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* lets you pick two retailers each quarter to earn the card’s highest cash-back rate. In addition to warehouse retailers like Target, Walmart and Amazon.com, the list of eligible retailers includes several home improvement and furniture chains such as Home Depot, Lowes, Ace Hardware, Pottery Barn and Ikea. The card also offers an everyday bonus category of your choosing and earns an elevated flat rate on everything else.

Rewards: Earn 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.

Welcome offer: Earn $250 after spending $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee: $0 intro annual fee for the first year, then $95

Other benefits and drawbacks: You’ll only earn the 6% cash-back rate on up to $1,500 in combined spending at the two stores you choose. Your 3% everyday category is also capped at $1,500 in quarterly spend.

The good news is that all other purchases earn an unlimited 1.5% cash back. This is a key advantage that the U.S. Bank Shopper Cash Rewards® Visa Signature® Card* has over some of the other “choose your bonus category” cards which drop their earnings rate to 1% after you’ve reached your monthly or quarterly bonus cap.

While the U.S. Bank Shopper Cash Rewards® Visa Signature® Card* doesn’t offer a 0% intro APR, it does allow cardholders to split large purchases into fixed monthly payments with a U.S. Bank ExtendPay® Plan. Instead of a traditional APR, these plans charge a flat monthly fee. Notably, purchases that are paid over time with an ExtendPay Plan still earn rewards.

You’ll have to jump through a few hoops to earn “Tier One” flat-rate rewards on the Alliant Cashback Visa® Signature Credit Card*, but the work could be well worth it if you have a large home project coming up. The card’s eye-popping top earnings flat-rate applies to the first $10,000 of qualifying purchases each month.

Rewards: Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: Qualifying for Tier One rewards with the Alliant Cashback Visa® Signature Credit Card* requires opening an Alliant High-Rate Checking account. You’ll then need to opt in to eStatements, receive at least one direct deposit per month and maintain an average daily balance of at least $1,000.

In months that the above requirements aren’t met, you’ll still earn Tier Two rewards of unlimited 1.5% cash back on all purchases. The Alliant Cashback Visa® Signature Credit Card* doesn’t charge foreign transaction fees. It also provides a few helpful protections including travel accident insurance, purchase security for up to 90 days and an auto rental collision waiver.

The Huntington Voice Rewards Credit Card℠* lets you choose from 10 eligible spending categories to earn bonus rewards and home improvement stores is one of the choices. You can change your category every quarter which could make this card an ideal fit for a home project that only lasts a few months.

Rewards: Earn 3X points for categories of your choice and 1x points on other purchases even after you reach the quarterly limit.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: To apply for this card online, you’ll need to be an existing Huntington Bank customer who lives in one of the states where the bank operates. If you don’t have a Huntington.com username and password, you’ll be directed to call the customer service number or visit a branch.

Your high earnings are capped at $2,000 in spend each quarter, after that you’ll earn one point per dollar. Huntington doesn’t charge foreign transaction fees on any of its credit cards. Other benefits are sparse but you do get an extra day to make your payment before the late fee kicks in. You can also check your FICO Score for free each month.