Best credit card to use at Ferguson.

Picks without a tag earn at Ferguson both in-store and online. Watch for theOnline onlytag — those bonuses only apply on ferguson.com.

1. #1
   
   Citi Custom Cashif it’s your top category

   Citi

   5% 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 cycle
   5%
2. #2
   
   Discover it Cash Backthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
3. #3
   
   Discover it for Studentsthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
4. #4
   
   NHL Discover itthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
5. #5
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on home improvement
   5.0%5x points
6. #6
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
7. #7
   
   Wells Fargo Choice Privileges Mastercard

   Wells Fargo

   3x points on home improvement
   3.0%3x points
8. #8
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   U.S. online retail purchases
   2.0%4x points
9. #9
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
10. #10
    
    Blue Business Cash from American Express

    American Express

    2% flat-rate cashback
    2%
11. #11
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
12. #12
    
    Coinbase One

    First Electronic Bank

    2% flat-rate cashback

    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
13. #13
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
14. #14
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
15. #15
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
16. #16
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
17. #17
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Cards like the U.S. Bank Cash+ with home improvement selected and the Bank of America Customized Cash can earn 3 to 5 percent on Ferguson invoices. Kitchen and bath renovations frequently run five figures, which makes the retailer useful for clearing premium signup bonus minimums on the Capital One Venture X or the Chase Sapphire Reserve.

Last updated May 17, 2026