Best credit card to use at Ace Hardware.
Home Improvement
Ace Hardware is a cooperative of about 5,000 independently-owned hardware stores in the U.S., smaller and more service-oriented than Home Depot or Lowe's. Ace's own Ace Rewards loyalty program layers on top of card cashback. Notably, Ace Hardware is one of the merchants that earns 3% on the Apple Card via Apple Pay, alongside the home-improvement category match on general-purpose cards.
- #1Citi Custom Cashif it’s your top categoryCiti5% on home improvement if it's your top eligible spend category that cycle (up to $500/month, then 1%)Automatically on your top eligible spend category each billing cycle5%
- #2Discover 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%
- #3Discover 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%
- #4NHL 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%
- #5U.S. Bank Cash+ Visa Signatureif you select itU.S. Bank5% on home improvement if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #65.0%5x points
- #73%
- #83.0%3x points
- #93%
- #102%
