Best Cards for Home Improvement

Compare reward rates across top credit cards for home improvement purchases.

Best Citi Custom Cash Card
Citi · No annual fee
5% on your single top eligible spend category per billing cycle (up to $500/month combined, then 1%). Only ONE category earns 5% per cycle.
Cap: $500.00/monthly
5%
Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee
3% on your chosen category (one of 6 options). Shares combined $2,500 quarterly cap with the 2% grocery/wholesale category, then 1%.
Cap: $2500.00/quarterly
3%

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Rates verified as of March 2026. Always verify current terms with your card issuer — rates and offers change.