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| Credit Card Offers » Apply for a Credit Card » Special Interests »Home Improvement Credit Cards |
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Home Improvement Credit Cards |
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| Credit card companies are offering more and more ways to save on things that matter most to consumers. There are many cash back rewards and other bonus incentive programs available, depending on the home improvement credit cards you choose. Home improvement connoisseurs will appreciate the home improvement reward programs offered by several of the home improvement credit card companies. 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. Credit cards which offer these home improvement rewards can be valuable to every current or future homeowner. |
- Home improvement credit cards offer unlimited bonus rewards points that don't expire
- Redeem bonus points from home improvement credit cards towards mortgage payments or home repairs
- Save points earned on a home improvement credit card towards the new purchase of a home
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| Credit Card Offers Found: 2 |
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| Most Attractive: |
No annual fee; no yearly limit or expiration on rebates; 6% rebate on select purchases for six months. |
| Special Offer: |
0% for 12 months and is applied to Balance Transfers. |
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(MasterCard)
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- 0% Intro APR on Balance Transfers for 12 months
- No Annual Fee
- Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months
- Receive 1% on all other purchases
- Rebate automatically applied to your mortgage principal
- NO CAP or limits on the amount of rebates you can accumulate in a year
- Balance transfer fee applies with this offer
- Benefit Rating:
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0% Intro APR on Balance Transfers for 12 months
9.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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Rebate Amount: Up to 6%
Bonus on First Purchase: n/a
20 days Grace Period |
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(* The introductory rate is available on balance transfers submitted during the first twelve months) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Access to reward program; introductory offer; no annual fee. |
| Special Offer: |
0% intro APR for the first 12 billing cycles on balance transfers and cash advance |
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(MasterCard)
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- 0% Into APR on Balance Transfers and Cash Advance Through Your 12 Billing Cycles
- Earn DOUBLE POINTS on your purchases at home improvement stores including Lowe’s®, The Home Depot®, and Best Buy® for the first 12 months when you shop for your home
- Earn 1 point for every $1 you spend in net retail purchases - including everyday items and recurrent monthly bills
- You can redeem your points for cash, merchandise, travel with no blackout dates - online or by phone, anytime
- No Limit to The Number of Points You Can Earn Each Year
- Absolute Fraud Protection Against Unauthorized Use, Online and Offline
- Access to The MyConcierge Service, a Unique Personal Assistance Service
- Card issued by FIA Card Services, NA
- Benefit Rating:
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0% Intro APR on Balance Transfers for 12 Billing Cycles
9.99% Regular Fixed APR for Purchases
24.99% Regular Fixed APR for Cash Advances |
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Points per Dollar: 1.00 Point
20 days Grace Period |
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(* 0% intro APR for the first 12 billing cycles on balance transfers and cash advance) |
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This card is issued by FIA Card Services, N.A.
The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%.
See website for complete terms and conditions of card usage and application disclosure.
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There are several advantages specifically developed for people who are spending money on renovating their homes or working on other home improvement repairs or maintenance. A few of the home improvement credit cards are offering special cash back rebates on all purchases related to home improvement materials. A few even offer cash back rebates when using the home improvement credit card to pay for cable or satellite television bills, household utility bills, internet fees, and other payments directed towards various telecommunication service providers. Each time payments for these bills are made by utilizing the home improvement credit card, up to 6% cash back is earned on the total bill payment. Additional cash back rewards are available on purchases made from all other merchants and retail locations. Some of the credit cards offer redeemable points which can be converted into valuable gift cards or certificates for use at participating home improvement stores. Several other credit card companies promote sweepstakes entries for cash and merchandise prizes, which are based on the amount of purchases made on the credit card. The amount of money you spend on the card will provide you more entries into the sweepstakes drawings.
Generally, bonus points are accumulated dollar for dollar. For every one dollar spent, the consumer will earn one bonus point. With several credit card company programs, each bonus point that has accrued can even be converted and used towards the principal of the consumer's mortgage. For consumers who are not yet home owners, these points can be collected, saved, and later used towards the actual purchase of a home in the future. Typically, the earned points are not limited by an expiration date throughout the life of the account. Additionally, the quantity of rebates are unlimited, allowing consumers to receive an endless amount of bonus points based on the amount of any purchase that are made on the home improvement credit card. Several of the credit cards increase the amount of bonus points earned when specific purchases are made. As an example, some of the cards offer a double bonus point system, simply for utilizing the card for the first time, or by just activating the account.
Many of the nationally-known credit card companies sponsor home improvement reward programs. However, there are also several credit cards which are distributed solely for use at and through nationwide home improvement stores. These store-specific credit cards often offer special, in-house promotions and discounts on purchase made exclusively in their own stores. Often promotions include no interest charges for a fixed introductory period if the credit card is used for the purchases. Bonus points can often be redeemed for gift certificates, merchandise, and occasionally hotel accommodations. Each credit card program offers varied reward selections. In addition to the credit card reward benefits, some of the home improvement specific credit card companies offer support and expert advice to account holders that are not available any where else.
The credit cards that offer the home improvement reward programs require eligibility and lines of credit which are based on consumer's credit history and personal credit score. These credit cards also provide benefits typical of other credit cards, including guaranteed protection against theft, fraud, and unauthorized usage. Many of the companies offer online account access and electronic bill payment ability. There are other unique benefits several credit card companies provide such as personal concierge-type services and no annual fees for accounts. Several companies still require an annual fee that can range from $50 to $90 a year. Many of the credit cards will offer special, low introductory annual percentage rates for all purchases, cash advances, or balance transfers for an initial period of time.
Home improvements can be planned or unexpected. Having the right credit card for you is an important decision. The plans are varied and can be advantageous to all home owners who are in need of home repair, additional improvements, or for emergencies. |
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