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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.
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Best Credit Cards for Home Renovations
Wells Fargo Propel American Express Card
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 $1,000 in the first three months of account opening, you earn 20,000 bonus points (worth a $200 cash redemption value). Redeeming your points for award travel can make each point worth 50% more.
You might also like this card because it earns bonus points on lifestyle purchases including travel, dining, groceries, and streaming services.
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 offers a 60,000-point signup bonus after spending $4,000 in the first 3 months. 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.
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. 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: Airline Credit Cards
Hilton Honors American Express Surpass Card
The Hilton Honors American Express Surpass® Card offers the ability to earn 130,000 Hilton Honors Bonus Points after you use your new Card to make $2,000 in eligible purchases within the first 3 months of card membership. The 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.
Cardholders also earn 12x points per dollar spent on eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 6x points per dollar spent at U.S. supermarkets, U.S. gas stations, and U.S. restaurants, and 3x points on all other eligible purchases.
You also have instant Hilton Honors Gold status that lets you enjoy complimentary breakfast and space-available room upgrades.
Learn more: Hotel Rewards Credit Cards
Marriott Bonvoy Boundless Credit Card
The Marriott Bonvoy Boundless™ Credit Card 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 7,000 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 Card. This card doesn’t come with a signup bonus which can be a downside. But, every purchase can earns 2% cash back. Cardholders earn 1% cash back when they buy plus 1% cash back once they pay for the purchase. To earn cash back, you must pay at least the minimum due on time.
Also, you don’t lose any rewards to an annual fee. This is one of the highest cashback rates currently available.
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.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
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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 American Express Card
- 3 Chase Sapphire Reserve
- 4 Southwest Airlines Credit Cards
- 5 British Airways Credit Card
- 6 Hilton Honors American Express Surpass Card
- 7 Marriott Bonvoy Boundless Credit Card
- 8 Citi Double Cash Card
- 9 Barclaycard Arrival Plus (Expired)
- 10 Summary of Best Credit Cards for Home Improvements