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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, so what are the best credit cards for home renovations and improvements?
You too can take advantage of these opportunities with these 9 best credit cards for home improvements. When you want to look beyond the store charge cards and turn your renovations into a future vacation, try these credit cards instead.
Best Credit Cards for Home Renovations
Wells Fargo Propel
The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.
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 of account opening, you earn 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 on lifestyle purchases including travel, dining, groceries, and streaming services.
Learn more: Rewards Credit Cards
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 60,000-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 $750 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 airline fee credit
- Access to several leading airport lounge networks
- Global Entry or TSA PreCheck application fee reimbursement
- Earn 5 points per $1 spent on flights booked directly with airlines or AmEx Travel
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.
British Airways Credit Card
The British Airways Visa Signature® Card offers the ability to earn 100,000 Avios. First, you can earn 50,000 Avios after spending $3,000 in purchases within the first 3 months of account opening. Then you can earn an additional 50,000 Avios if you spend $20,000 on purchases within your first year of account opening.
A home renovation is one of those costly items that can help you earn the 100,000 Avios.
Plus, you also earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level. Cardholders also earn 2 Avios per $1 spent on hotel accommodations. All other purchases earn 1 Avios per $1 spent.
If you book a British Airways flight that originates in the U.S., you’ll get 10% off (as long as you book by March 31, 2020). 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 100,000 Avios, you’ll be close to receiving this pass. It is valid for two years when you redeem Avios for a flight on British Airways.
Learn more about the British Airways Visa Signature® Card: Airline Credit Cards
Hilton Honors American Express Surpass Card
The Hilton Honors American Express Surpass® Card offers the ability to earn 130,000 points and a free weekend night reward after spending $4,000 in purchases within the first 4 months of account opening. The 130,000 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 Credit Card
Launched 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 $3,000 on purchases in the first three months of account opening.
This bonus is worth several 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. Plus, you’ll earn 6X Bonvoy points per $1 spent at over 6,900 participating Marriott Bonvoy hotels.
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.
Learn more: Hotel Rewards Credit Cards
Citi Double Cash Card
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.
Learn more: Cash Back Credit Cards
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Barclaycard Arrival Plus (Expired)
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.
Summary of Best Credit Cards for Home Improvements
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.
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.
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.
- 1 Best Credit Cards for Home Renovations
- 2 Wells Fargo Propel
- 3 Chase Sapphire Reserve
- 4 Platinum Card from American Express
- 5 Southwest Airlines Credit Cards
- 6 British Airways Credit Card
- 7 Hilton Honors American Express Surpass Card
- 8 Marriott Bonvoy Boundless Credit Card
- 9 Citi Double Cash Card
- 10 Barclaycard Arrival Plus (Expired)
- 11 Summary of Best Credit Cards for Home Improvements