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Many people apply for new credit cards to qualify for generous limited-time signup bonuses. But, they sometimes struggle to earn these bonuses while only relying on their normal monthly spending. One major ‘purchase’ that some people choose to put on their new card is materials for a home renovation. They maximize their purchases while improving their living conditions and property’s curb appeal, so what are the best credit cards for home renovations and improvements?

You too can take advantage of these opportunities with these 9 best credit cards for home improvements. When you want to look beyond the store charge cards and turn your renovations into a future vacation, try these credit cards instead.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Best Credit Cards for Home Renovations

Chase Sapphire Reserve

The Chase Sapphire Reserve® is one of the best premium travel rewards credit cards you can own.

New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.

It’s possible to squeeze more value from this bonus by transferring your points to the Chase airline and hotel transfer partners. On a 1:1 basis, you can transfer to partners like Southwest, United, Marriott, and Hyatt.

Since this is a premium travel credit card, you also get an annual $300 travel credit. Frequent flyers will also enjoy the free Priority Pass Select lounge access and Global Entry or TSA PreCheck.

Plus, earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Chase Sapphire Preferred Card

If you don’t travel as often the lower-priced Chase Sapphire Preferred® Card might be better. You still have access to the 1:1 Chase travel partners, but your only other travel benefit is a 25% point redemption bonus (instead of the Reserve’s 50% bonus).

Also, enjoy Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®. Member FDIC

Southwest Airlines Credit Cards

The Southwest Companion Pass® is one of the best travel benefits in the history of award travel. As a Pass holder, one person flies for the price of fees and taxes (from $5.60) when you buy your seat with cash or points. Trying for a personal Southwest Credit Card is the fastest way to earning the Companion Pass.

Many people time their large purchases (like home renovations) to earn the Southwest Companion Pass. Since the signup bonus includes the ability to earn the Companion Pass a lot more easily, you don’t want to miss out.

British Airways Visa Signature Card

New British Airways Visa Signature® Card cardholders can earn 75,000 Avios after spending $5,000 on purchases within the first three months of account opening.

Cardholders earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Cardholders also earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus, earn 1 Avios per $1 spent on all other purchases.

Plus, new British Airways Visa Signature Card cardholders can get 10% off British Airways flights starting in the United States when they book through the website provided in the welcome materials.

This card has a $95 annual fee but doesn’t charge a foreign transaction fee.

You will also earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways Visa Signature® Card. It is good for two years. You can read more about it in our British Airways Visa Signature Card review.

Hilton Honors American Express Surpass Card

A Hilton option that comes with a bit more is the Hilton Honors American Express Surpass® Card. Cardholders earn:

  • Up to 12x Hilton points for each dollar you spend on eligible Hilton purchases made directly with a hotel or resort in the Hilton portfolio
  • 6x points on eligible purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
  • 4x points on U.S. online retail purchases
  • 3x points for all remaining eligible purchases

New Hilton Honors American Express Surpass® Card cardholders can earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership.

The annual fee is $150 (See Rates & Fees).

Cardholders also get up to $200 back each year on eligible Hilton purchases after using their Hilton Honors American Express Surpass® Card. An additional new benefit includes complimentary National Car Rental® Emerald Club Executive® status (enrollment in the complimentary Emerald Club® program is required; terms apply).

The bonus points are the beginning of your rewards as you earn a Free Night Reward after spending $15,000 each year. That can be a rewarding way to put your home renovation spending to good use.

You also have instant Hilton Honors Gold status that lets you enjoy complimentary breakfast and space-available room upgrades (enrollment required).

Marriott Bonvoy Boundless Credit Card

The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Marriott Bonvoy Boundless® Credit Card has a nice bonus.

Cardholders can earn up to 17x total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

Additionally, earn 3x Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

Additionally, earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.

You also earn a free automatic free night award each card anniversary. As your home renovations most likely won’t be an ongoing expense, knowing you only have to renew your card to get the free hotel night can be a plus.

New limited-time offer! New Marriott Bonvoy Boundless® Credit Card cardholders can earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card.

There are no foreign transaction fees, and the annual fee is $95. Your points don’t expire as long as you make purchases on your card every 24 months.

Citi Double Cash Card

The information for the Citi® Double Cash Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

When you prefer cash in hand, it’s hard to compete with the Citi® Double Cash Card. This card doesn’t come with a signup bonus which can be a downside. But, every purchase can earns 2% cash back. Cardholders earn 1% cash back when they buy plus 1% cash back once they pay for the purchase. To earn cash back, you must pay at least the minimum due on time.

Also, you don’t lose any rewards to an annual fee. This is one of the highest cashback rates currently available.

Summary of Best Credit Cards for Home Renovations

Home renovations don’t have to bust your budget. You can use a rewards credit card to recoup a portion of your spending. Large renovations can help you easily qualify for the most valuable bonus offers you would struggle to achieve without completing a project.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

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