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Credit Cards » Rewards Cards » Home Improvement Credit Card Offers

Home Improvement Credit Card Offers

There are many cash back rewards and other bonus incentive programs available, depending on the home improvement cards you choose. These credit cards offer account holders exclusive discounts on in-store merchandise, as well as the ability to accumulate an unlimited amount of bonus rewards points. Rewards can range from free merchandise, store gift certificates, cash back rewards on all credit card purchases, redeemable bonus points, and even mortgage payments.

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won´t raise your APR.±
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up. And 1% cash back on all other purchases.±
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you´re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.±
  • 0% Intro APR± on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • ±Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening.
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness.26
  • No Annual Fee.26
  • Click Apply Now to see pricing details.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(12 months)26
0%
(12 months)26
12.99% -
22.99%26 (Variable)
$026

Get Started On Your Home Improvement Project Today

Think you have to penny pinch and save up for months, or even years, before you can start on your much longed - for home improvement project? Why not apply for a home improvement credit card today so you can start your project now?

You may not believe this, but having such a card can be more advantageous than obtaining a home improvement loan. Here's why. Rewards from these cards range from free merchandise, store gift certificates, cash back rewards on all credit card purchases, redeemable bonus points, and even mortgage payments. Yes, you read it right. Some card companies will even make your mortgage payments for you.

However, the above are not the only reasons you should look into home improvement credit card offers. A lot of such cards also offer low introductory interest rates and low balance transfer rates. This means you can make your purchases from home improvement stores, get your projects done now, and not have to worry about a higher interest rate or having to increase the life of your mortgage for a home loan.

Not a homeowner yet? Guess what? You can still earn points by using your card. These points can be collected, saved, and used later towards the purchase of a home.

There is generally not an expiration date on the points you earn. This can be great for both the home owner and the aspiring home owner. A smart way to earn points is to use your card to pay for cable or satellite television bills, household utility bills, Internet fees, and other payments for telecommunication service providers. Each time payments for these bills are made using the card with home improvement rewards, up to 6% cash back is earned on the total bill payment. You can also earn additional rewards at other merchants and retail locations.

Some of the cards offer redeemable points that can be converted into gift cards or certificates at participating stores, and as already stated above, you can convert your points towards paying the principal on your mortgage. It doesn't get much better than that!

Sometimes you can't wait to do your home improvement project. Pipes burst, ice machines backfire and leak all over your floor, roofs need repairs, or Mother Nature strikes. Having a home improvement rewards card on hand can give you that added piece of mind as extra insurance against unexpected repairs.

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.