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. Citi® Home Rebate Platinum Select® MasterCard®
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| Interest Rate: | 9.99% |
|---|---|
| Intro Rate: | 0% APR for 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on balance transfers submitted during the first twelve months.
Our Opinion: Good reward choice for users who pay their balance off each month and who have a home mortgage. During the first 12 months of membership, participants in the reward program earn 6% of each dollar spent on telecommunication, utilities, Internet connection, and cable/satellite TV, and 1% for each $1 spent on all other purchases. After intro period ends, earn 1% rebate toward mortgage principal with no limit on the amount of your rebate; no expiration for rebates. The "Home Mortgage Rebate" will be applied against the outstanding mortgage principal. 3% international transaction fee. Balance transfer fee is 3% of each balance transfer, $5 minimum. Platinum benefits include up to $1,000,000 in travel accident insurance and fraud protection services. This card will benefit those who will pay in full each month after the introductory rate expires (to avoid finance charges) and will be able to take advantage of the mortgage rebates.
2. Home Advantage™ MasterCard® from Bank of America
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| Interest Rate: | 9.99% / 15.99% |
|---|---|
| Intro Rate: | 0% APR for 12 Billing Cycles |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.
Our Opinion: Created for those with excellent credit who want to earn a variety of rewards, including payments toward their mortgage principal. Earn 1 point per $1 spent on qualifying purchases. For the first 12 months, earn double points at home improvement stores such as Lowe's, The Home Depot, and Best Buy. Earn unlimited points per year. For every 5,000 points, $50 will be applied towards the mortgage principal. Points may also be redeemed for travel rewards, merchandise and cash.