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Best Credit Cards for Home Improvement (2026)
8 credit cards ranked by home improvement reward rate. Find the best card for your home improvement spending and stop leaving rewards on the table.
1
Lowe's Business Advantage
other
Annual Fee: $0Base Rate: 0%Network: visa
cashback5%Home Improvement
2
Home Depot Consumer Credit Card
other
Annual Fee: $0Base Rate: 0%Network: visa
cashback5%Home Improvement
3
Citi Custom Cash Card
citi
Annual Fee: $0Base Rate: 1%Network: mastercard
cashback5%Home Improvement
4
Lowe's Advantage Card
other
Annual Fee: $0Base Rate: 0%Network: visa
cashback5%Home Improvement
5
U.S. Bank Cash+
usbank
Annual Fee: $0Base Rate: 1%Network: visa
cashback5%Home Improvement
6
Synchrony HOME Credit Card
synchrony
Annual Fee: $0Base Rate: 2%Network: mastercard
cashback4%Home Improvement
Build your project and your rewards
Home Depot, Lowe's, hardware stores — SuperPay tells you which card earns the most on home improvement purchases so every project pays you back.
Download for iPhoneBrowse by Spending Category
Dining160 cards
Travel139 cards
Gas103 cards
Groceries81 cards
Online Shopping49 cards
Transit25 cards
Streaming20 cards
Entertainment16 cards
Shopping3 cards
Home Improvement8 cards
Drugstores6 cards
Advertising7 cards
Shipping10 cards
Office Supplies13 cards
Telecom & Internet11 cards
Software & SaaS9 cards
Vehicle Rental10 cards
Everything Else11 cards
How We Rank Cards
Cards are ranked by their bonus reward rate in the selected spending category. SuperPay's database tracks 348+ credit cards across 12 spending categories, with reward rates verified and updated daily via AI. Rankings consider the category-specific bonus multiplier — the higher the rate, the higher the ranking. Annual fees and base reward rates are shown for context. For personalized recommendations based on your full card portfolio and spending patterns, download the SuperPay app.