9 Best Credit Cards for Home Renovations to Use in 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Many people apply for new credit cards to qualify for generous limited-time signup bonuses. But, they sometimes struggle to earn these bonuses while only relying on their normal monthly spending. One major ‘purchase’ that some people choose to put on their new card is materials for a home renovation. They maximize their purchases while improving their living conditions and property’s curb appeal.

You too can take advantage of these opportunities with these 9 credit cards. When you want to look beyond the store charge cards and turn your renovations into a future vacation, try these credit cards instead.

Barclaycard Arrival Plus

The Barclaycard Arrival Plus® World Elite Mastercard® has a generous bonus offer. You can earn 70,000 bonus miles worth $700 in award travel redemption. Spend $5,000 in the first 90 days to earn this bonus.

You earn unlimited 2x miles on every dollar spent and can redeem your points for travel statement credits. Doing so lets you get 5% of your redeemed points back for your next redemption.

Chase Sapphire Reserve

The Chase Sapphire Reserve® is one of the best premium travel rewards credit cards you can own. Its sign-up bonus of 50,000 Chase Ultimate Rewards points is worth $750 in award travel booked directly through Chase. You earn this bonus by spending $4,000 in the first three months of account opening.

It’s possible to squeeze more value from this bonus by transferring your points to the Chase airline and hotel transfer partners. On a 1:1 basis, you can transfer to partners like Southwest, United, Marriott, and Hyatt.

Since this is a premium travel credit card, you also get an annual $300 travel credit. Frequent flyers will also enjoy the free Priority Pass Select lounge access and Global Entry or TSA PreCheck.

If you don’t travel as often the lower-priced Chase Sapphire Preferred® Card also offers a 50,000-point signup bonus. You still have access to the 1:1 Chase travel partners, but your only other travel benefit is a 25% point redemption bonus (instead of the Reserve’s 50% bonus) that makes your bonus points worth $625 in award travel booked through Chase.

Platinum Card from American Express

If you fly often and can either arrive at the airport early or have long layovers, the Platinum Card from American Express is arguably the best card for frequent flyers.

For starters, its bonus offer of 60,000 Membership Rewards points by spending $5,000 in the first three months. This bonus is worth $600 in award travel. You can also transfer your points to airlines include Delta, Emirates, and JetBlue.

This card is also full of air travel-friendly benefits including:

  • $200 air travel credit
  • Access to several leading airport lounge networks
  • Global Entry or TSA PreCheck application fee reimbursement
  • Earn 5 points per $1 spent on most airfare purchases

Southwest Airlines Credit Cards

The Southwest Companion Pass is one of the best travel benefits in the history of award travel. As a Pass holder, one person flies for the price of fees and taxes (from $5.60) when you buy your seat with cash or points. Applying for a personal Southwest Credit Card is the fastest way to earning the Companion Pass.

Many people time their large purchases (like home renovations) to earn the Southwest Companion Pass which requires you to earn 110,000 Rapid Rewards points or book 100 one-way flights. Since the signup bonus includes the ability to earn the Companion Pass a lot more easily, you don’t want to miss out.

Wells Fargo Propel

One of the best travel rewards cards without an annual fee is the Wells Fargo Propel American Express® Card. After spending $3,000 in the first three months, you get 30,000 bonus points worth a $300 cash redemption value. Redeeming your points for award travel can make each point worth 50% more for a $450 value.

You might also like this card because it earns bonus points of lifestyle purchases including travel, dining, groceries, and streaming services.

British Airways Credit Card

The British Airways Visa Signature® Card offers the ability to earn 120,000 Avios. Now is one of those times. You can earn 4 Avios per $1 spent on all purchases within your first year (up to $30,000) with the British Airways Visa Signature Card. After that, you earn 3 Avios per $1 spent on British Airways purchases and 1 Avios per $1 spent on all other purchases.

You will also earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways Visa Signature® Card. So if you earn the signup bonus of 120,000 Avios by spending $30,000, you’ll also receive this pass. It is valid for two years when you redeem Avios for a flight on British Airways. 

Hilton Honors American Express Ascend

The Hilton Honors American Express Ascend offers a whopping 125,000 Hilton Honors bonus points worth up to 25 free Hilton nights by spending $2,000 in the first three months of account opening.

The 125,000 bonus points are the beginning of your rewards as you earn a free weekend night reward after spending $15,000 each year. That can be a rewarding way to put your home renovation spending to good use.

You also have instant Hilton Honors Gold status that lets you enjoy complimentary breakfast and space-available room upgrades.

Marriott Bonvoy Boundless

Launching February 13, 2019, you can be one of the first to own the shiny new Marriott Bonvoy Boundless™ Credit Card. Being one of the first lets you earn 75,000 bonus points after spending $5,000 in the first three months.

This bonus is worth up to 13 free nights at the Marriott Rewards, Ritz-Carlton Rewards, or Starwood Preferred Guest portfolios that all are under the newly renamed Marriott Bonvoy loyalty program.

You also earn a free automatic free night award each card anniversary. As your home renovations most likely won’t be an ongoing expense, knowing you only have to renew your card to get the free hotel night can be a plus.

Citi Double Cash

When you prefer cash in hand, it’s hard to compete with the Citi Double Cash. This card doesn’t come with a signup bonus which can be a downside. But, every purchase earns 2% cash back and you don’t lose any rewards to an annual fee. This is one of the highest cashback rates currently available.

Summary

Home renovations don’t have to bust your budget. You can use a rewards credit card to recoup a portion of your spending. Large renovations can help you easily qualify for the most valuable bonus offers you would struggle to achieve without completing a project.

Mary Renking

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

9 Best Credit Cards for Home Renovations to Use in 2019
5 (100%) 2 votes

About the Author

Mary Renking
Mary writes about how to book travel with award miles & points, reviews top travel credit cards, and basic rewards news.

Be the first to comment on "9 Best Credit Cards for Home Renovations to Use in 2019"

Leave a comment

Your email address will not be published.