Best Credit Cards for Home Improvement in 2025
When it comes to home improvements, whether you’re tackling a small remodel or a major renovation, having the right financing options can make all the difference. One of the most popular and accessible ways to fund home improvement projects is by using a credit cards. In 2025, there are plenty of credit cards designed to offer competitive rewards, 0% introductory APR offers, and other perks that can help you manage your home improvement costs. To make it easier for you to choose, we’ve compiled a list of the best credit cards for home improvement in 2025.
1. Chase Freedom Unlimited®
Why It’s Great for Home Improvement
The Chase Freedom Unlimited® credit card is an excellent option for those who want to earn cash back while making home improvements. With no annual fee and a simple rewards structure, this card is perfect for those who prefer straightforward benefits. You’ll earn 1.5% cash back on every purchase, and the card offers 5% cash back on travel purchased through the Chase Ultimate Rewards® portal.
Key Features:
- Earn 1.5% cash back on all purchases.
- Sign-up bonus: $200 after you spend $500 on purchases in the first 3 months from account opening.
- 0% intro APR on purchases for the first 15 months (then 19.24%–27.99% Variable APR).
- No annual fee.
This card is great for both big and small home improvement projects since you can earn cash back on everything from furniture purchases to supplies for your renovations.
2. The Home Depot® Consumer Credit Card
Why It’s Great for Home Improvement
If you’re planning a large-scale home improvement project, the Home Depot® Consumer Credit Card could be the perfect choice. This card is tailored specifically for Home Depot shoppers and offers exclusive financing options. It’s a great way to finance home improvement purchases with deferred interest promotions.
Key Features:
- 6 months special financing on purchases of $299 or more (or 12 months on purchases over $999).
- No annual fee.
- Special financing options for home improvement purchases.
- Access to Home Depot promotions and discounts.
If you’re planning to make significant purchases at Home Depot, this card is ideal. You can take advantage of flexible financing and special offers that will make it easier to manage your home renovation costs.
3. Lowe’s Advantage Card
Why It’s Great for Home Improvement
For DIY enthusiasts and home improvement enthusiasts alike, the Lowe’s Advantage Card is another fantastic option. It offers a solid rewards program and financing options that are perfect for those making large purchases at Lowe’s.
Key Features:
- 5% off every day on purchases made at Lowe’s (or 0% APR financing for 6 months).
- No annual fee.
- Special financing offers on purchases over $299.
- Exclusive access to Lowe’s promotions and events.
This card works best if you’re planning to buy materials, tools, and appliances from Lowe’s. With the added benefit of 5% off and promotional financing, you can stretch your budget further for home improvement projects.
4. Citi® Double Cash Card
Why It’s Great for Home Improvement
For those who don’t want to limit their credit card usage to specific stores, the Citi® Double Cash Card is a versatile choice. Offering a straightforward cash-back program and a generous rewards rate, it’s perfect for those who want to use their card for a variety of home improvement projects.
Key Features:
- Earn 2% cash back: 1% on purchases and 1% when you pay for them.
- 0% intro APR on balance transfers for the first 18 months (then 18.49%–28.24% Variable APR).
- No annual fee.
- Flexible rewards: Use your cash back for statement credits, gift cards, or checks.
The Citi® Double Cash Card is a great choice if you’re looking for a well-rounded credit card that offers significant cash-back rewards without any category restrictions. You can use it at any home improvement store, making it a versatile option for all your renovation needs.
5. American Express® Blue Cash Preferred® Card
Why It’s Great for Home Improvement
If your home improvement projects involve a lot of shopping at supermarkets, gas stations, or even department stores, the American Express® Blue Cash Preferred® Card offers fantastic rewards. It provides 6% cash back on U.S. supermarket purchases (up to $6,000 per year), 3% cash back on U.S. gas stations, and 1% on other purchases. Though not exclusively designed for home improvement purchases, the rewards structure allows for maximizing savings on everyday expenses related to your project.
Key Features:
- 6% cash back on U.S. supermarket purchases (up to $6,000 per year).
- 3% cash back on U.S. gas stations and select U.S. department stores.
- 1% cash back on other purchases.
- $95 annual fee (waived for the first year).
- 0% intro APR on purchases for the first 12 months (then 18.24%–29.99% Variable APR).
This card works well if you frequently buy home improvement supplies from general retailers or supermarkets. The 6% cash-back benefit can be especially helpful when purchasing tools, appliances, and other items needed for your project.
6. Discover it® Cash Back
Why It’s Great for Home Improvement
The Discover it® Cash Back card is another great choice for home improvement expenses. With its rotating quarterly categories and generous cash-back program, it can help you save on a variety of purchases, including those related to home improvement.
Key Features:
- 5% cash back on rotating categories each quarter (on up to $1,500 in purchases, activation required).
- 1% cash back on all other purchases.
- Introductory offer: Discover will match all the cash back you earn in your first year.
- No annual fee.
The rotating bonus categories change each quarter, so while home improvement purchases may not be a category every month, you can still earn substantial rewards during certain quarters (like those involving home improvement retailers). The first-year cash-back match is an added bonus, giving you a nice incentive to earn more rewards on your home projects.
7. Wells Fargo Active Cash® Card
Why It’s Great for Home Improvement
The Wells Fargo Active Cash® Card is a simple and effective credit card with an excellent cash-back program. It offers unlimited 2% cash back on every purchase, making it an attractive option for people who want a straightforward rewards structure.
Key Features:
- 2% cash back on every purchase.
- 0% intro APR for 15 months on purchases and qualifying balance transfers (then 19.24%–27.24% Variable APR).
- No annual fee.
- $200 cash rewards bonus after spending $1,000 in the first 3 months.
If you’re looking for a credit card that rewards all types of purchases and offers a long 0% intro APR period, the Wells Fargo Active Cash® Card can help you make home improvement purchases while earning a high return on your spending.
Conclusion: Choosing the Best Credit Card for Home Improvement in 2025
Selecting the right credit card for home improvement projects in 2025 ultimately depends on your needs. If you frequently shop at specific home improvement stores like Home Depot or Lowe’s, their store credit cards offer excellent financing options and rewards. On the other hand, cards like the Citi® Double Cash Card or Chase Freedom Unlimited® provide flexible rewards with no category restrictions, perfect for a variety of home improvement expenses.
When choosing a credit card, consider factors like interest rates, rewards programs, and financing offers to make sure you’re getting the best deal for your specific project. Keep an eye on your spending limits and repayment plans to avoid accruing high interest on unpaid balances. Happy renovating!