Best Credit Cards for Home Improvement (2026)

6 credit cards ranked by home improvement reward rate. Find the best card for your home improvement spending and stop leaving rewards on the table.

Citi Custom Cash Card

citi

Annual Fee: $0Base Rate: 1xNetwork: mastercard

cashback

5xHome Improvement

U.S. Bank Cash+

usbank

Annual Fee: $0Base Rate: 1xNetwork: visa

cashback

5xHome Improvement

Lowe's Advantage Card

other

Annual Fee: $0Base Rate: 0xNetwork: visa

cashback

5xHome Improvement

Lowe's Business Advantage

other

Annual Fee: $0Base Rate: 0xNetwork: visa

cashback

5xHome Improvement

Home Depot Consumer Credit Card

other

Annual Fee: $0Base Rate: 0xNetwork: visa

cashback

5xHome Improvement

Home Depot Commercial Account

other

Annual Fee: $0Base Rate: 0xNetwork: visa

cashback

5xHome Improvement

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3 more home improvement cards

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Build your project and your rewards

Home Depot, Lowe's, hardware stores — SuperPay tells you which card earns the most on home improvement purchases so every project pays you back.

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Browse by Spending Category

🍽️Dining102 cards ✈️Travel92 cards ⛽Gas72 cards 🛒Groceries62 cards 🛍️Online Shopping49 cards 🚇Transit20 cards 📺Streaming19 cards 🎬Entertainment14 cards 🏬Shopping10 cards 🏠Home Improvement6 cards 💊Drugstores5 cards 💳Everything Else48 cards

How We Rank Cards

Cards are ranked by their bonus reward rate in the selected spending category. SuperPay's database tracks 166+ credit cards across 12 spending categories, with reward rates verified and updated daily via AI. Rankings consider the category-specific bonus multiplier — the higher the rate, the higher the ranking. Annual fees and base reward rates are shown for context. For personalized recommendations based on your full card portfolio and spending patterns, download the SuperPay app.