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Best credit cards for home improvement
Chase Freedom Unlimited®
- Annual fee$0
- Welcome offerLimited-time only: Earn a $250 Bonus after you spend $500 in your first 3 months
- Introductory Purchases APR0% Intro APR on Purchases for 15 months
- Recommended credit scoreExcellent/Good
- Rewards rate
- Enjoy 5% cash back on travel purchased through Chase Travel℠
- 3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service)
- 1.5% on all other purchases
- Benefits
- You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts
- Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more
- Generous intro APR on purchases and balance transfers
Why we like it: While its highest rewards categories may not be the most useful for your project, the Chase Freedom Unlimited does carry a lot of value in its minimum 1.5% on all purchases. And you can get even more as a new cardholder. This card’s current welcome offer awards an extra 1.5% on every purchase for the first year — meaning you can boost that standard 1.5% cash back to 3% cash back on any purchase (up to the first $20,000 you spend across categories).
Blue Cash Everyday® Card from American Express
- Annual fee$0
- Welcome offerEarn a $200 statement credit after spending $2,000 within the first 6 months
- Introductory Purchases APR0% on purchases for 15 months
- Recommended credit scoreExcellent, Good
- Rewards rate
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in purchases, then 1%)
- 1% cash back on all other purchases
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout
- Benefits
- Generous intro APR on purchases and balance transfers
- Get a $7 monthly statement credit after spending $9.99 or more on a streaming subscription to the Disney Bundle, plus earn up to $15 in monthly statement credits after purchasing a Home Chef subscription
Why we like it: The Blue Cash Everyday from Amex is already among our top cash-back credit cards for everyday spending, but it can also add major value to your home improvement plans. If you’re planning to order any of your tools, supplies, furniture, appliances, or other necessities for your project online, you’ll get 3% back on up to $6,000 per year. If you max out that category over the year, you could total $180 cash back toward home improvement spending — and that’s before accounting for added rewards at the supermarket or gas station.
Capital One Venture X Rewards Credit Card
The Venture X credit card is a great option for those looking to complete home improvements as you earn unlimited 2x miles on non-bonus purchases. You'll also get luxury travel benefits, including complimentary access to the Capital One Partner Lounge Network.
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