Best Credit Cards for Home Renovation

Home renovations often involve $5,000-50,000+ in spending. Here’s how to optimize.

Strategy Options

Welcome bonuses: Time applications before big contractor payments

0% APR: Spread large purchases interest-free (15-21 months)

Home improvement categories: Some rotating categories include Lowe’s, Home Depot

Top Picks

For 0% APR: Citi Diamond Preferred (21 months) For bonus categories: Freedom Flex (when home improvement is rotating) For flat rate: Active Cash (2% on everything)

The Bottom Line

Home renovation is a great time for new cards. Welcome bonuses can offset 5-10% of project costs, and 0% APR provides flexibility on timing.