When it comes to home improvement projects, whether you’re renovating a kitchen, upgrading your bathroom, or simply adding a fresh coat of paint, financing these endeavors can be tricky. One of the most effective and rewarding ways to fund these projects is by using a credit card that offers great benefits tailored to your needs. With the right credit card, you can earn rewards, get financing offers, and enjoy other perks that make your home improvement more affordable and even more rewarding.
In 2025, best credit cards for home improvement are more competitive than ever. With low introductory APR offers, substantial rewards, and added benefits, there’s a lot to consider. This guide will help you find the best credit cards for home improvement in 2025, making it easier to fund your next project without breaking the bank.
Why Use a Best Credit Cards for Home Improvement?
Before diving into the best credit cards, let’s explore why using a credit card for home improvement can be a smart choice.
1. Earn Rewards
Many credit cards offer cashback, points, or miles on your purchases, and home improvement stores like Home Depot, Lowe’s, or other local merchants are often included in these categories. By using the right credit card, you can earn rewards while improving your home.
2. Promotional Financing
Credit cards sometimes offer 0% APR for an introductory period, often ranging from 12 to 18 months. If you can pay off the balance within that period, you can save money by avoiding interest payments. This is a great option if your home improvement project is extensive and will take time to complete.
3. Convenience
Using a best credit cards is one of the most convenient ways to pay for home improvement supplies and services. Most retailers accept credit cards, and it’s an easy way to track your expenses while taking advantage of online shopping.
4. Purchase Protection and Warranties
Some credit cards offer purchase protection, extended warranties, and fraud protection. These benefits can help protect your home improvement purchases, making your investment in appliances, tools, or materials even more secure.
5. Flexibility
Credit cards offer the flexibility of being able to adjust your repayment schedule, provided you make minimum payments. This flexibility can be a lifesaver if your home improvement project goes over budget or takes longer than expected.
Key Features to Look for in a best Credit Cards for Home Improvement
When selecting the best credit cards for your home improvement needs, consider the following factors:
1. Low or 0% Introductory APR
A credit card with a 0% introductory APR can help you spread out payments without paying interest during the introductory period. This can be extremely beneficial if your home improvement project will take a long time to complete.
2. Rewards for Home Improvement Purchases
Look for cards that offer cashback or rewards for purchases made at home improvement retailers, such as Lowe’s, Home Depot, or even online stores like Amazon. Some cards may offer additional points or bonuses when you spend a certain amount within the first few months.
3. Sign-Up Bonuses
Many best credit cards offer substantial sign-up bonuses, especially if you spend a certain amount within the first few months. This can be an extra incentive to choose one card over another when financing your home improvement project.
4. Cashback Offers
Some best credit cards offer special cashback categories that include home improvement purchases. This can be ideal if you plan on buying supplies and tools from hardware stores or home goods retailers.
5. Longer Payment Terms
Home improvement projects often require significant investments. Choosing a credit card that offers long-term payment options (like 12 to 18 months) can provide financial flexibility during the project.
Now, let’s look at some of the best credit cards for home improvement in 2025.
1. Chase Freedom Unlimited®
Best For: Earning Cashback on Everyday Purchases, Including Home Improvement
The Chase Freedom Unlimited® credit card is a popular choice for those looking to earn cashback rewards on their purchases. It is an ideal option if you’re planning to shop at major home improvement stores, as it provides 1.5% cashback on all purchases. Additionally, you can earn higher cashback rates on specific categories.
- Introductory Offer: $200 bonus after spending $500 in the first 3 months.
- Rewards Rate: 1.5% on every purchase; 5% on travel through Chase Ultimate Rewards®.
- APR: 0% for the first 15 months on purchases and balance transfers (then 19.49%–28.24% variable APR).
- Annual Fee: $0
The bonus and flexible cashback rewards make this card a great choice for homeowners looking to purchase supplies for a wide range of home improvement projects.
2. Citi® Double Cash Card
Best For: Earning Maximum Cashback on All Purchases
If you want a straightforward cashback card that rewards you on every purchase, the Citi® Double Cash Card is one of the best options in 2025. This card is ideal for home improvement expenses because it offers 2% cashback on all purchases (1% when you buy, and 1% when you pay).
- Introductory Offer: None.
- Rewards Rate: 2% cashback on all purchases (1% when you buy, 1% when you pay).
- APR: 0% for the first 18 months on balance transfers (then 18.24%–28.24% variable APR).
- Annual Fee: $0
If you’re not interested in rotating categories or specific store rewards, this card is a reliable, no-annual-fee option with high cashback potential.
3. Home Depot® Consumer Credit Card
Best For: Dedicated Home Improvement Shoppers
For homeowners who plan to exclusively shop at Home Depot, this card provides financing options that can make home improvement more affordable.
- Introductory Offer: 0% APR for 6 months on purchases of $299 or more.
- Rewards Rate: N/A (no cashback or rewards, but offers special financing).
- APR: 17.99%–26.99% (variable APR).
- Annual Fee: $0
Home Depot’s Consumer Credit Card is ideal for those who know they’ll be making substantial home improvement purchases at this particular retailer. The special financing offer allows you to pay off large purchases over time without accumulating interest.
4. Blue Cash Preferred® Card from American Express
Best For: Earning High Cashback on U.S. Supermarkets and Select Categories
The Blue Cash Preferred® Card from American Express offers one of the best cashback rates for specific categories. While it’s geared toward supermarkets and gas stations, it also offers cashback on home improvement purchases.
- Introductory Offer: $300 statement credit after spending $3,000 in the first 6 months.
- Rewards Rate: 6% cashback at U.S. supermarkets (up to $6,000 per year); 3% on U.S. gas stations; 1% on all other purchases.
- APR: 0% for the first 12 months on purchases (then 18.99%–29.99% variable APR).
- Annual Fee: $95
If you plan to do some shopping at big-box stores or need to buy supplies in bulk, this card can offer substantial cashback for your home improvement projects.
5. Lowe’s Advantage Card
Best For: Shopping at Lowe’s
If you’re a frequent shopper at Lowe’s for your home improvement needs, the Lowe’s Advantage Card could be an excellent option. It offers significant discounts and special financing offers for purchases made at Lowe’s.
- Introductory Offer: 5% off your first purchase.
- Rewards Rate: 5% off every purchase made at Lowe’s.
- APR: 26.99% (variable APR).
- Annual Fee: $0
This card also offers special financing plans for purchases over $299, making it a great tool for larger home improvement projects.
Conclusion
In 2025, there are plenty of excellent credit cards to choose from for your home improvement projects. Whether you’re looking for cashback, special financing options, or rewards, there’s a card that suits your needs. The Chase Freedom Unlimited® and Citi® Double Cash Card are excellent all-around options for earning rewards, while the Home Depot® Consumer Credit Card and Lowe’s Advantage Card provide specialized benefits for those who prefer shopping at these retailers. Consider your needs, spending habits, and preferred stores when choosing the best card for your home improvement project.
By choosing the right credit card for your home improvement needs, you can make your renovation projects easier to finance while taking advantage of great rewards and perks. Always remember to compare your options, read the fine print, and ensure you’re selecting the card that best matches your financial goals.