Best Credit Cards for Home Improvement & Furnishings

4 Cards Compared

Cards

Discover it Cash Back Discover Bank
Cash back
5% Until 6/30 Fee: $0

Q2 2026: Includes home improvement retail stores, building supply stores (lumber, paint, hardware), home furnishing stores, home appliance stores, floor covering stores, and lawn/nursery/garden supply stores. Online and in-store purchases qualify. Third-party contractor purchases may not qualify. Requires activation; earnings begin from activation date, not retroactive to April 1.

Cap: Quarterly maximum of $1,500 in combined purchases across all Q2 2026 categories when activated
Custom Cash Citi
Points
5x Fee: $0
Option: Home Improvement Stores

Automatically earn 5% cash back in your top eligible spend category each billing cycle. No category enrollment required. Rewards earned as ThankYou Points.

Cap: 5% cash back up to $500 in combined purchases per billing cycle, then 1%
Cash+ U.S. Bank
Cash back
5% Fee: $0
Option: Furniture Stores

5% cash back on home improvement and furnishings when selected as one of two quarterly categories

Cap: Combined quarterly limit across all selected 5% categories
Customized Cash Rewards Bank of America
Cash back
3% Fee: $0
Option: Home Improvement & Furnishings

Part of "Home Improvement & Furnishings" choice category. Earn 3% cash back on home improvement and furnishings when selected as your choice category (6% for first year after account opening).

Cap: $2,500 combined quarterly spending cap shared across your selected 3% choice category and 2% grocery/wholesale club purchases