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.
- #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
- #73.0%3x points
- #83%
- #92%
- #102%
