16 cards ranked
Best credit card to use at 84 Lumber.
Home Improvement
84 Lumber is one of the largest privately held suppliers of building materials in the country, geared toward contractors and serious DIY projects. Spending here typically codes as a home improvement or building supply purchase, not as a general merchant. Because lumber and materials orders can be large, a card carrying a home improvement bonus pays off, otherwise lean on your best flat-rate everyday card.
- #1Discover it Cash Backthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #2Discover it for Studentsthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3NHL Discover itthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #43.5%5x points
- #52.1%3x points
- #63%
- #72%
- #82%
- #9First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #10Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #11American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #12Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #132%
- #142%
- #152%
- #162%
Last updated June 30, 2026