Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠, Citi® Double Cash Card, Citi Premier® Card, Citi Prestige® Card. The details for these products have not been reviewed or provided by the issuer.

Are you one of the folks bitten by the home remodeling bug during the last few years? Home improvement was an enormous industry during the pandemic, as many were stuck at home and hankering to complete long-deferred projects.

No matter the type of home upgrade you’re dreaming of, you should know that some credit cards offer rewards and perks that can make using them more beneficial than paying with cash or using a home equity loan or home equity line of credit (HELOC). Of course, that is all predicated on the idea you can use credit to pay for your indoor or outdoor project, reap the benefits, and pay your credit card balance off before any interest accrues.

We looked up the average cost of three home remodeling projects — an asphalt roof replacement ($31,535), vinyl siding replacement ($18,662), and a garage door replacement ($4,041) — to see how much you could benefit from a few top rewards cards. All information on pricing comes from Remodeling Magazine’s 2022 cost versus value study.

Insider’s Featured Intro APR Credit Cards

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

0% intro APR on balance transfers for 18 months and on purchases for six months

Regular APR

17.24% – 28.24% Variable

0% intro APR on purchases and balance transfers for the first 15 months

Regular APR

20.49% – 29.24% Variable

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days

Regular APR

18.24%, 24.74%, or 29.99% variable

If you’re considering a new deck, new windows, or an outdoor landscaping overhaul this year, the following credit cards could be your best bet.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best credit cards for home improvement projects

Chase Sapphire Preferred® Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Regular APR

21.49% – 28.49% Variable

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
Cons

  • con icon Two crossed lines that form an ‘X’. Doesn’t offer a Global Entry/TSA PreCheck application fee credit


Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC


Best for buying supplies at Target

Chase Freedom Flex℠

Chase Chase Freedom Flex℠

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 1-5% cash back on purchases.


Intro APR

0% intro APR on purchases and balance transfers for the first 15 months


Regular APR

20.49% – 29.24% Variable

Earn $200 cash bonus plus 5% cash back on PayPal, wholesale clubs, and select charities


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus cash-back categories
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great welcome bonus
Cons

  • con icon Two crossed lines that form an ‘X’. Booking through Chase Ultimate Rewards portal can restrict outside earning potential
  • con icon Two crossed lines that form an ‘X’. Varying percentages and rotating calendar categories require extra attention
  • con icon Two crossed lines that form an ‘X’. 3% foreign transaction fees


Best home improvement category bonus

Bank of America® Customized Cash Rewards Credit Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

3.9/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 3% cash back in the category of your choice. Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.


Intro APR

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening


Regular APR

18.24% – 28.24% Variable

Earn a $200 online cash rewards bonus


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 2% and 3% cash-back categories
Cons

  • con icon Two crossed lines that form an ‘X’. Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.


Product Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice – now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


Best for flat-rate cash back

Citi® Double Cash Card

Citi Citi® Double Cash Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

3.65/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn unlimited 2% cash back on purchases (1% when you buy and 1% as you pay)


Intro APR

0% intro APR on balance transfers for 18 months


Regular APR

19.24% – 29.24% Variable

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Simple earning structure without confusing bonus categories
Cons

  • con icon Two crossed lines that form an ‘X’. Some cards earn higher rates of cash back on rotating categories
  • con icon Two crossed lines that form an ‘X’. While it has an introductory APR offer, that’s only on balance transfers, not purchases, so you can’t use it to fund a major expense without interest

If you want to parlay your home remodeling project into a big welcome bonus offer, consider the Chase Sapphire Preferred® Card. This card starts you off with 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening (worth $1,080 in travel, per Insider’s points and miles valuations). You’ll also earn:

  • 5x points on Lyft rides through March 2025
  • 5x points on all travel purchased through Chase Ultimate Rewards®
  • 3x points on dining, including eligible delivery services, takeout, and dining out 
  • 3x points on select streaming services
  • 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 2x points on other travel 
  • 1 point per dollar on everything else

You’ll be charged a $95 annual fee, but you can redeem your rewards in a ton of different ways. For example, you can use Chase points to book travel through Chase, transfer them to airline and hotel partners at a 1:1 ratio, redeem them for cash back or merchandise, or cash them in for gift cards from an array of popular retailers, dining establishments, and more.

You can even redeem your rewards for gift cards to places like Lowe’s or Home Depot, where you can use them to buy more supplies for projects around the home.

Factoring in the welcome bonus, here are the rewards you’d earn on three different types of home-improvement projects, based on the pricing from Remodeling Magazine’s cost versus value study:

  • Asphalt roof replacement ($31,535): 91,535 Chase points, worth an average of $1,647.63 in travel
  • Vinyl siding replacement ($18,662): 78,662 Chase points, worth an average of $1,415.92 in travel
  • Garage door replacement ($4,041): 64,041 Chase points, worth an average of $1,152.74 in travel

Review: Chase Sapphire Preferred card review

The Chase Freedom Flex℠ earns Chase Ultimate Rewards® points, which you can redeem for cash back at a rate of 1 cent per point. You can also use them for gift cards, travel, merchandise, and more through the Chase Ultimate Rewards portal. And, if you also hold an annual fee-incurring Chase Ultimate Rewards card, such as the Chase Sapphire Preferred® Card, you can transfer those points to valuable airline and hotel partners, receiving an average value of 1.8 cents per Chase point.

The Chase Freedom Flex℠ does not charge an annual fee and earns 5% cash back on up to $1,500 spent in quarterly bonus categories after activation (then 1%) and 1% back on all other purchases. You also start off with a welcome bonus of $200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on PayPal, wholesale clubs, and select charities on up to $1,500 in combined purchases in this quarter’s bonus categories.

This quarter’s Chase Freedom bonus categories (January through March 2023) include Target, which offers a wide range of home remodeling products and supplies. Here’s what you could earn with this card by using it to finance your home renovation (including the welcome bonus) — and the value you’d get if transferring points to travel partners:

  • Asphalt roof replacement ($31,535): 57,535 Chase points, worth an average of $1,035.63 in travel
  • Vinyl siding replacement ($18,662): 44,662 Chase points, worth an average of $803.92 in travel
  • Garage door replacement ($4,041): 30,041 Chase points, worth an average of $547.38 in travel

Another bonus? The Chase Freedom Flex℠ offers a 0% intro APR on purchases and balance transfers for the first 15 months (then a 20.49% – 29.24% Variable APR), which is great if you need some time to pay off your home improvement expenses.

Review: Chase Freedom Flex card review

For a lucrative combo of a long intro APR, decent bonus, and strong rewards rate on home improvement purchases, the no-annual-fee Bank of America® Customized Cash Rewards Credit Card is a great choice. Along with a welcome bonus offer of $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening, cardholders can take advantage of a 0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening (then a 18.24% – 28.24% Variable APR).

Where the card really shines is its bonus categories. Cardholders earn 3% cash back in one category of their choice (from a list of six that includes home improvement/furnishings purchases), 2% back at grocery stores and wholesale clubs, and 1% back on all other purchases. The downside is that the 3% (choice category) and 2% (grocery/wholesale club) rates only apply to the first $2,500 in combined purchases per quarter (then 1% cash back). 

If you choose home improvement/furnishings as your 3% category for the quarter, you could potentially earn 3% back on $2,500 in spending (total of $75). Then, after your project is done, you can always switch your 3% category to something that better matches your current spending habits; the other eligible categories are gas/EV charging, online shopping, dining, travel, and drug stores.

Here’s what you would earn with the Bank of America® Customized Cash Rewards Credit Card for our sample home improvement purchases (assuming home improvement/furnishings is your chosen 3% category):

  • Asphalt roof replacement ($31,535): $565.35 in cash back
  • Vinyl siding replacement ($18,662):  $436.62 in cash back
  • Garage door replacement ($4,041):  $290.41 in cash back

Review: Bank of America Customized Cash Rewards card review

If you want to earn a flat rate of rewards on your home remodeling project without having to worry about where you shop, it’s tough to beat the Citi® Double Cash Card. This card doesn’t charge an annual fee, yet you’ll earn an effective 2% back for each dollar you spend: 1% cash back (1 point per dollar) when you make a purchase and another 1% (1 point per dollar) when you pay it off.

The card technically earns Citi ThankYou points — not cash. But you can redeem points at a value of 1 cent per point as a statement credit, direct deposit, or check. If you also have the Citi Premier® Card
or the Citi Prestige® Card
(not available to new applicants), you can transfer your Citi ThankYou points to airline and hotel partners for a bigger value — 1.6 cents per point, on average (per Insider’s valuation of Citi points). Here’s what you could earn by paying for your home projects with the card:

  • Asphalt roof replacement ($31,535): 83,070 Citi ThankYou points, worth an average of $1,329.12 in travel
  • Vinyl siding replacement ($18,662): 57,324 Citi ThankYou points, worth an average of $917.18 in travel
  • Garage door replacement ($4,041): 28,082 Citi ThankYou points, worth an average of $449.31 in travel

In addition, you can save money on interest by consolidating balances from other cards and taking advantage of its 0% intro APR on balance transfers for 18 months (followed by a 19.24% – 29.24% Variable APR). 

Review: Citi Double Cash card review

See our picks for the best home improvement loans »

Best credit cards for home improvement frequently asked questions (FAQ)

It depends on your goals. Is your aim to earn free travel with your spending? Would you prefer cash back? Or maybe you know you won’t be able to pay off your balance within a month or two, and you’d prefer a credit card that offers 0% intro APR.

There really is no “best” credit card for home renovation that covers every situation. However, we recommend opening a credit card (or two!) with a large welcome bonus to help you rack up rewards quickly. You could easily achieve more than $1,000 in value from a single card bonus. Read our post on the credit cards with welcome bonuses of 100,000 points or more for some fun ideas.

Opening a credit card specifically for a home renovation project is an excellent idea. If you’ve got a lot of spending on the horizon, it’s one of the best opportunities to open multiple credit cards and earn welcome bonuses for lots of cash back or rewards that you can either use to effectively discount your purchases or save for future travels.

Just be sure you aren’t going to carry a balance for an extended period of time, as the interest you’ll incur can negate the rewards you earn. At that point, you’re better off taking out a personal loan with low interest rates.

You can almost always pay for home renovations with a credit card — however, the above scenarios we’ve examined are pricey. Not many people have a credit line over $30,000 to pay for a roofing project. Ensure that you can pay in increments if you don’t have the credit line to cover the entire fee.