- Introduction
Home improvement projects can be costly, especially with rising material and labor prices in 2025. Using the right credit card can help homeowners finance projects interest-free, earn rewards, or access special store discounts. This report outlines the best credit card options available for home improvement purchases in 2025, highlighting their features, advantages, and ideal use cases.
- General-Purpose Credit Cards
2.1 Bank of America® Customized Cash Rewards Credit Card
Key Benefit: Up to 6% cash back in the first year (on chosen category, including home improvement), then 3%.
APR Offer: 0% intro APR for 15 billing cycles.
Annual Fee: $0.
Best For: Homeowners who want flexibility in choosing categories and prefer long-term rewards.
2.2 Citi Custom Cash® Card
Key Benefit: 5% cash back on your top spending category (up to $500/month), which includes home improvement stores.
APR Offer: 0% intro APR for 15 months.
Annual Fee: $0.
Best For: Moderate spenders who want automatic rewards tailored to their highest category.
2.3 Wells Fargo Reflect® Card
Key Benefit: No direct rewards, but one of the longest 0% APR periods on the market.
APR Offer: Up to 21 months of 0% intro APR on purchases and balance transfers.
Annual Fee: $0.
Best For: Large renovation projects where financing without interest is the main goal.
2.4 U.S. Bank Cash+® Visa Signature® Card
Key Benefit: Customizable rewards—choose two 5% cash back categories, which can include home improvement.
APR Offer: 0% intro APR for 15 billing cycles.
Annual Fee: $0.
Best For: Homeowners who want flexibility and can plan quarterly spending.
- Store-Branded Cards
3.1 Home Depot® Consumer Credit Card
Key Benefit: Special financing—6 months of 0% interest on purchases $299+, with extended promos up to 24 months.
Annual Fee: None.
Best For: Home Depot loyalists who prioritize extended financing over rewards.
3.2 Lowe’s Advantage Card
Key Benefit: 20% off first purchase (up to $100), ongoing 5% discount, and special financing for large purchases.
Annual Fee: None.
Best For: Frequent Lowe’s shoppers seeking consistent discounts and project financing options.
- Specialized & Premium Options
4.1 U.S. Bank Shopper Cash Rewards Card
Key Benefit: 6% cash back at two selected retailers (can include home improvement stores), up to $1,500 per quarter.
Annual Fee: $95.
Best For: High spenders at select stores who can maximize the quarterly cap.
4.2 Prime Visa
Key Benefit: High rewards on Amazon purchases, good for DIY projects and tools.
Best For: Smaller projects or frequent Amazon shoppers.
- Comparison Table
Card Rewards Rate / Discounts Financing / APR Period Annual Fee Best For
Bank of America Customized Cash 6% 1st yr (3% ongoing) 0% APR, 15 billing cycles $0 Flexible spenders
Citi Custom Cash 5% on top category (incl. home) 0% APR, 15 months $0 Automatic category optimization
Wells Fargo Reflect — Up to 21 months 0% APR $0 Large project financing
U.S. Bank Cash+ 5% on 2 chosen categories 0% APR, 15 billing cycles $0 Flexible quarterly planners
Home Depot Consumer Credit — 6–24 months financing $0 Home Depot loyalty
Lowe’s Advantage 20% first purchase, 5% ongoing 0% on purchases $299+ $0 Lowe’s loyalty
U.S. Bank Shopper Cash Rewards 6% at 2 stores (quarterly cap) Standard APR $95 High-volume shoppers
Prime Visa Up to 5% at Amazon Standard APR $0 DIY/Amazon projects
- Recommendations
For Financing Large Renovations: Wells Fargo Reflect or Home Depot Consumer Card.
For Maximizing Rewards Across Stores: Bank of America Customized Cash or Citi Custom Cash.
For Store Loyalty Savings: Lowe’s Advantage or Home Depot Card.
For Heavy, Targeted Spending: U.S. Bank Shopper Cash Rewards.