Best Credit Card Offers for Home Renovations

Find out which credit cards can help you offset the cost of home improvement purchases.

Erin El IssaOctober 1, 2017
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Citi Price Rewind is no longer available as a benefit. See our roundup of best credit cards for home improvement projects for other options.

Home renovations can add to the value and beauty of your house, but they can also be expensive. Offset your costs by earning great rewards on all of your home improvement purchases with a credit card. Here are a couple favorite cards for home renovations.

Discover it® Cash Back: Best for a summer spruce up

If you’re planning a big home renovation project, the Discover it® Cash Back is a great option. It offers 5% cash back on rotating quarterly bonus categories that you activate (on up to $1,500 per quarter in spending). In both 2016 and 2017, home improvement stores were a category for a quarter. The current bonus categories are as follows:

Discover bonus rewards categories for 2020

Q1 (Jan. 1 – March 31)

• Grocery stores. • CVS. • Walgreens.

Q2 (April 1 – June 30)

• Gas stations. • Uber and Lyft. • Wholesale clubs. • June only: Home Depot.

Q3 (July 1 – Sept. 30)

• Restaurants. • PayPal.

Q4 (Oct. 1 – Dec. 31)

• Amazon.com. • Target.com. • Walmart.com.

Bonus category purchases above the $1,500 quarterly cap will be rewarded at 1% cash back, as will any non-bonus category purchases.

The Discover it® Cash Back has an annual fee of $0 and an introductory APR of 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. This will allow you to take your time paying off purchases if necessary.

Citi® Double Cash Card – 18 month BT offer: Best for high rewards on all your home purchases

If you’re looking for high ongoing rewards on your home purchases, and all others, check out the Citi® Double Cash Card – 18 month BT offer. It gives you 1% cash back on every purchase when you make it, and another 1% back when you pay it off. Rewards can be redeemed starting at $25 for statement credit, check or gift card.

Make sure to register your purchases on Citi Price Rewind to get reimbursed the price difference if your purchase goes on sale within 60 days.

The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0 and an introductory APR offer of 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

Nerd note: Whichever card you choose, keep in mind that many contractors charge extra fees for using a credit card to pay for services. Find out if this is your contractor’s policy before paying with plastic, because the rewards you'll earn are unlikely to outweigh the fees.

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