Home Improvement Credit Cards
Consumers can lower the costs of home improvements by using these cards for their everyday purchases. Earn extra reward points for home-related expenditures. Our objective opinion is included on each card.
1. TrueEarnings® Card from Costco and American Express
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| Interest Rate: | 15.24% variable* |
|---|---|
| Intro Rate: | 0% on Purchases for 6 months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: You will enjoy 0% APR for 6 months on purchases from the date of account opening. After that, your regular APR will apply.
Our Opinion: Created for Costco members who have average credit and will take advantage of the cash back reward program. Cash rebate varies by where you make the purchase: 1% is earned on general purchases, 2% is earned for travel-related purchases. 3% is earned for restaurant purchases and for gasoline purchases up to $3,000, 1% thereafter. Earn unlimited rebates. Benefits include purchase protection, travel accident insurance, and auto rental insurance. This card has an above average interest rate for purchases and balance transfers. No annual fee with a paid Costco membership. This card will benefit those who plan to spend at least $5,000 a year on the card and plan to pay in full each month.
2. Discover® More Card
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| Interest Rate: | 10.99% - 20.99% (V)** |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: *0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. See terms and conditions for complete details.
Our Opinion: Created for those with very good credit who want a cash reward card. Enroll to earn 5% Cashback Bonus® in rotating categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months) You must sign up for each 5% program and there is a bonus limit set for each program. Up to 1% rebate on all other purchases. Spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* Redeem in $50 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. 15-month intro period for balance transfers but the balance transfer fee is 3%. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates). (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited).
3. Discover® Motiva Card
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| Interest Rate: | 10.99% - 20.99% (V)** |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who carry a balance, pay on time, and want to earn cash for their purchases. Extended low rate for balance transfers. Spend up to $1,500 on general purchases and receive a .25% rebate; spend between $1,500 and $3,000 and receive a .5% rebate; spend over $3,000 will receive a 1% rebate. 5% to 20% Cashback Bonus at over 150 top retailers through the online shopping mall. Earn unlimited rebates; rebates do not expire if there is activity within a 36-month period. Cardholders who make 6 on-time payments in a row qualify for a pay-on-time bonus that provides a credit toward the payment of their next month's interest. The bonus is available twice a year when monthly payments are received on time. Benefits include auto rental insurance and up to $500,000 in travel accident insurance. This card will benefit those who will spend over $3,000 a year (to earn the full 1% cash rebate), plan to use the card for balance transfers, and pay on time every month. (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited)


