What is the best home improvement credit card? This question is about Best Credit Cards of 2024

The best home improvement credit card is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 15 months from account opening and gives unlimited 2% cash rewards on all purchases. Wells Fargo Active Cash also gives you $200 cash rewards after spending $500 in the first 3 months. By using this card for home improvements, you’ll have over a year to pay off a costly project and will recoup some of the expense through rewards. Best Home Improvement Credit Cards Wells Fargo Active Cash® CardChase Freedom Unlimited®Bank of America® Customized Cash Rewards credit cardUpgrade Triple Cash Rewards Visa®Wells Fargo Reflect® CardPrime VisaIKEA Credit CardLowe's Store Card If you’re looking to buy everything in one place, the best home improvement store credit cards are the Lowe's Store Card (1.25 points per $1 spent at Lowe’s) and the Home Depot® Credit Card ( 0% deferred interest for 6 months). If you choose to go with a store-branded home improvement credit card, be careful with deferred interest. While it might let you go a long time without paying interest, it’s dangerous. You only owe no interest if you pay in full by the end of the 0% APR period. If you don’t pay in full, you owe all the interest you would have been charged during the intro period if the regular APR had been in place.

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What is the best home improvement credit card?

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This question is about Best Credit Cards of 2024

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Christie Matherne, Credit Card Writer

@christie_matherne • 03/27/24

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The best home improvement credit card is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 15 months from account opening and gives unlimited 2% cash rewards on all purchases. Wells Fargo Active Cash also gives you $200 cash rewards after spending $500 in the first 3 months.

By using this card for home improvements, you’ll have over a year to pay off a costly project and will recoup some of the expense through rewards.

Best Home Improvement Credit Cards

Wells Fargo Reflect® Card

Prime Visa

If you’re looking to buy everything in one place, the best home improvement store credit cards are the Lowe's Store Card (1.25 points per $1 spent at Lowe’s) and the Home Depot® Credit Card ( 0% deferred interest for 6 months).

If you choose to go with a store-branded home improvement credit card, be careful with deferred interest. While it might let you go a long time without paying interest, it’s dangerous. You only owe no interest if you pay in full by the end of the 0% APR period. If you don’t pay in full, you owe all the interest you would have been charged during the intro period if the regular APR had been in place.

This answer was first published on 01/28/21 and it was last updated on 03/27/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Sierra, Member

@sierrak • 01/14/21

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Capital One on most of those cards you don't have to pay no annual fee and its APR is usually lower than any other credit card.

This answer was first published on 01/14/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

What is the easiest home improvement credit card to get?

The easiest home improvement credit card to get is either the Lowe's Store Card or the Home Depot Credit Card, because you can get approved for either of these cards with fair credit (credit score of at least 640).

The Lowe's Store Card offers a choice of 5% back on all purchases or special financing for 6 months of deferred interest on purchases of $299 or more. But watch out for the deferred interest...

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What's the best credit card for construction businesses?

The best credit card for construction businesses is the Ink Business Cash® Credit Card because it offers an introductory APR of 0% for 12 months on purchases, a $0 annual fee, and great rewards. Cardholders earn 1 - 5% cash back on purchases and an initial bonus of $350 for spending $3,000 in the first 3 months plus an additional $400 after spending $6,000 in the first 6 months.

Credit cards with 0% intro APR offers and rewards for everyday purchases are great for construction companies because cash flow is a common problem in the industry. Construction businesses often have projects with a lot of...

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Is the Wells Fargo Home Improvement credit card any good?

The Wells Fargo Home Improvement credit card – officially, the Home Improvement Projects Card – is a decent choice if you’re looking for a financing option for your home improvement project from a certain store. However, is not the best credit card on the market for this kind of projects.

What you should know before applying for the Home Improvement credit card:

The Home Improvement credit card is designed for roofing,...

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* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Bank of America® Customized Cash Rewards credit card, Home Depot® Credit Card, Lowe's Store Card, IKEA Credit Card, Lowe's Business Credit Card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, and U.S. Bank Business Platinum Card

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