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20 cards ranked

Best credit card to use at Home Depot.

Home Improvement

The Home Depot is the largest U.S. home-improvement retailer, with about 2,000 stores and a heavily-used Pro Xtra business loyalty program. The right card here depends a lot on whether you're a homeowner doing one project a year or a contractor running steady volume — the gap between the best home-improvement category card and a generic 2% card is meaningful at contractor spend levels. Home Depot codes as home improvement at the register and on homedepot.com.

  1. #1
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on home improvement
    3.5%5x points
  2. #2
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  3. #3
    Bank of America Cash Rewards Securedif you select it
    Bank of America
    3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  4. #4
    Bank of America Customized Cash Rewardsif you select it
    Bank of America
    3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  5. #5
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on home improvement
    2.1%3x points
  6. #6
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  7. #7
    Capital One Spark Cash Plus
    Capital One
    2% flat-rate cashback
    2%
  8. #8
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  9. #9
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  10. #10
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  11. #11
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  12. #12
    Ink Business Premier
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  13. #13
    Intuit Business
    WebBank
    2% flat-rate cashback
    2%
  14. #14
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  15. #15
    PenFed Power Cash Rewards Visa Signature
    PenFed Credit Union
    2% flat-rate cashback
    2% with PenFed Honors Advantage (current or former military, or a PenFed Access America checking account); 1.5% otherwise
    2%
  16. #16
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  17. #17
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  18. #18
    TD Double Up
    TD Bank
    2% flat-rate cashback
    Earns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account
    2%
  19. #19
    Truist Business Premium
    Truist
    2% flat-rate cashback
    2%
  20. #20
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated September 14, 2026

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