Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
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Best Credit Cards for Home Improvement Purchases of June 2024

Compare 189 credit cards for home improvement on Myfin.us.

Best Credit Cards for Home improvement in June 2024

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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

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SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
19.74% - 29.74% Variable
Our Rating:
4.28
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    19.74% - 29.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 19.74% - 29.74%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

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Quicksilver Capital One
Annual fee:
$0
Regular APR:
19.99% - 29.99% Variable
Our Rating:
4.49
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 5% Cash Back on hotels and rental cars (booked through Capital One Travel), and 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 19.99% - 29.99% (Variable). The card has a balance transfer fee of 3%. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
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Upgrade Cash Rewards Visa® best for Good credit score

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Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Balance Transfer APR:
    14.99% - 29.99% Regular
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Annual fee
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Upgrade Triple Cash Rewards Visa® best for Low income

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Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.06
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Balance Transfer APR:
    14.99% - 29.99% Regular
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*.

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

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First Electronic Bank Destiny® Mastercard® best for Unsecured

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Destiny® Mastercard® First Electronic Bank
Annual fee:
*see terms*
Regular APR:
35.90%
Our Rating:
1.47
scorer
Credit score
No Credit History to Fair (0-669)
    • Issuer name:
      First Electronic Bank
    • Details:

      The Destiny® Mastercard® is a good credit card for people with poor or no credit.

      The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

      The card charges an annual fee of $75 for the first year ($99 thereafter).

    • Pros:
      • No monthly fees
      • Prior bankruptcies are acceptable
      • Liability protection
      • No security deposit required
    • Cons:
      • No reward
      • High-interest rates
      • No mobile app
      • Credit limit
    • Benefits:
      • Mastercard® benefits;
      • Fraud protection;
      • Reports to all three major credit bureaus.
    View all Destiny® Mastercard® details
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    On First Electronic Bank‘s site
    Card detail
    Apply now
    Divvy Cross River Bank
    Annual fee:
    $0
    Regular APR:
    None
    Our Rating:
    4.04
    scorer
    Credit score
    Fair to Excellent (580-799)
    • Rewards Rate:
      • 2x - 7x:
      • Points on restaurants.
      • 2x - 5x:
      • Points on hotels.
      • 1.5x - 2x:
      • Points on recurring software subscriptions.
      • 1x - 1.5x:
      • Points on everything else.
    • Issuer name:
      Cross River Bank
    • Details:

      The Divvy Card is a corporate credit card.

      The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

      Points can be redeemed for travel, gift cards, statement credits or cash back.

      Read full review

    • Pros:
      • No fees
      • Rewards
    • Cons:
      • No sign-up bonus
    • Benefits:
      • Unlimited creation of virtual cards;
      • Scalable credit line;
      • Employee cards for everyone;
      • Enforceable budgets;
      • Expense reports.
    View all Divvy details
    Apply now
    On Cross River Bank‘s site
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    Citi Double Cash best for Cash Back, No Annual Fee, Daily use

    Double Cash Citi
    Annual fee:
    $0
    Regular APR:
    19.24% - 29.24% Variable
    Our Rating:
    4.49
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
    • Intro Offer:
      • $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
    • Balance Transfer APR:
      19.24% - 29.24% Variable
    • Issuer name:
      Citi
    • Details:

      The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories. Earn $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

      Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

      The Citi® Double Cash offers a 0% percent introductory APR offer on balance transfers (19.24% to 29.24% variable APR after).

      The Citi Double Cash extends a myriad of security and fraud protections.

    • Pros:
      • Flat-rate Cash Back Rewards on Everything
      • High Rewards Rate
      • No annual fee
      • Attractive Intro APR on Balance Transfers
    • Cons:
      • Losing your 1% Cash-Back Is Pretty Easy
      • Foreign transaction fee
      • Balance Transfer Fee
    • Benefits:
      • Citi Entertainment;
      • $200 Cash Back;
      • 2% Cash Back on every purchase;
      • Fraud Protection;
      • The Lost Wallet Service;
      • $0 Liability for Unauthorized Charges.
    Card detail

    American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

    Blue Cash Preferred® American Express
    Annual fee:
    $0 intro annual fee for the first year
    $95 for the rest years
    Regular APR:
    19.24% - 29.99% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
      • 6% Cash Back on streaming (select U.S. streaming subscriptions).
      • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
      • 3% Cash Back at U.S. Gas Stations.
      • 1% Cash Back on other purchases.
    • Intro Offer:
      • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
    • Purchase Intro APR:
      0% Introductory APR for the first 12 months from the date of account opening
    • Balance Transfer APR:
      19.24% - 29.99% Variable
    • Issuer name:
      American Express®
    • Details:

      The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

      The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 19.24% - 29.99% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

      The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

      The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

    • Pros:
      • Excellent cashback bonuses
      • Generous intro APR on purchases
      • Great introductory bonuses
    • Cons:
      • Cashback cap
      • Annual fee
      • Foreign transaction fee
    • Benefits:
      • Earn $250 Back (in the form of a statement credit);
      • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
      • 6% Cash Back on streaming subscriptions;
      • 3% Cash Back on transit;
      • 3% Cash Back at U.S. Gas Stations;
      • 1% Cash Back on other purchases;
      • Extended warranty;
      • Fraud Protection;
      • Return Protection;
      • Car Rental Loss and Damage Insurance;
      • Global Assist® Hotline;
      • Pay It Plan It®;
      • American Express Experiences;
      • Terms Apply.
    Card detail

    Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

    Chase Freedom Flex℠
    Annual fee:
    $0
    Regular APR:
    20.49% - 29.24% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
      • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
      • 3% Cash Back on drugstore purchases.
      • 1% Cash Back on all other purchases.
    • Intro Offer:
      • $150 Earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
      • 5% Cash Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year.
    • Purchase Intro APR:
      0% Intro APR for the first 15 months that your Account is open
    • Balance Transfer APR:
      20.49% - 29.24% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

      You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

      Earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year.

      The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 20.49% - 29.24% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

    • Pros:
      • $150 and 5% Cash Back sign-up bonuses
      • High cash back rewards on quarterly rotating bonus categories
      • Decent cash back rewards on select spending categories
      • 0% intro APR on purchases
      • No annual fee
    • Cons:
      • Foreign transaction fee
      • Rotating spending categories require activation
      • No intro APR on balance transfers
    • Benefits:
      • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
      • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
      • 3% Cash Back on drugstore purchases;
      • 1% Cash Back on all other purchases;
      • Zero Liability Protection;
      • Extended Warranty Protection;
      • Trip Cancellation/Interruption Insurance;
      • Cell Phone Protection;
      • Auto Rental Collision Damage Waiver;
      • Travel and Emergency Assistance Services.
    Card detail

    Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

    Chase Freedom Unlimited®
    Annual fee:
    $0
    Regular APR:
    20.49% - 29.24% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
      • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
      • 3% Cash Back on drugstore purchases.
      • 1.5% Cash Back on all other purchases.
    • Intro Offer:
      • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • Purchase Intro APR:
      0% Intro APR for the first 15 months that your Account is open
    • Balance Transfer APR:
      20.49% - 29.24% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (20.49% to 29.24% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

      The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

      Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    • Pros:
      • No Annual Fee
      • Generous rewards
      • 0% intro APR
      • Sign-up bonus
    • Cons:
      • Foreign Transaction Fee
    • Benefits:
      • Zero Liability Protection;
      • $200 intro bonus;
      • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
      • 3 percent back on dining;
      • 3 percent back at drugstores;
      • 1.5 percent Cash Back on general purchases;
      • Auto Rental Collision Damage Waiver;
      • Trip Cancellation/Interruption Insurance;
      • Travel and Emergency Assistance Services;
      • 24/7 Fraud Protection;
      • Redeem for Cash Back;
      • Gift cards.
    Card detail