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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?

best credit cards for home renovations
best credit cards for home renovations

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. 

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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. New Chase Sapphire Reserve® cardmembers can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $900 toward travel when redeemed through Chase Ultimate Rewards®. 

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.

Plus, earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Chase Sapphire Preferred Card

If you don’t travel as often the lower-priced Chase Sapphire Preferred® Card might be better. 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).

Also, enjoy new Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

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. Trying 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 Visa Signature Card

New British Airways Visa Signature® Card cardholders can earn 100,000 Avios after spending $5,000 on purchases within the first 3 months from account opening.

New cardholders also earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within the first 12 months from account opening (earn 3 Avios thereafter). New cardholders can also earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within the first 12 months from account opening (earn 2 Avios thereafter).

Plus, new British Airways Visa Signature® Card cardholders can get 10% off British Airways flights starting in the United States when you book through the website provided in the welcome materials.

This card has a $95 annual fee but doesn’t charge a foreign transaction fee.

You will also earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways Visa Signature® Card. It is good for two years. You can read more about it in our British Airways Visa Signature Card review.

Hilton Honors American Express Surpass Card

New The Hilton Honors American Express Surpass® Card cardholders have the ability to earn up to 180,000 bonus points! New cardholders can earn 130,000 Hilton Honors Bonus Points after spending $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

The annual fee is $95 (See Rates & Fees).

Learn more: Hotel Rewards Credit Cards

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 for each dollar spent on eligible purchases 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 (enrollment required).

Terms apply.

Marriott Bonvoy Boundless Credit Card

The Marriott Bonvoy Boundless® Credit Card has a nice bonus.

For a limited time, new Marriott Bonvoy Boundless® Credit Card cardholders can earn 125,000 Bonus Points and 1 Free Night Award (value up to 50,000 points) after spending $5,000 on purchases in the first 3 months from 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.

Cardholders can earn up to 17x total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

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.

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.

For rates and fees of the Hilton Honors American Express Surpass Card, please click here.

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Chase Sapphire Preferred® Card

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