Best credit card for home improvement
Updated October 30, 2026
Bank of America Customized Cash Rewards earns the most at home improvement: 3% cash back. Pick home improvement furnishings as a bonus category (until you change it). Up to $2,500 of spending a quarter, then 1% cash back.
Top 10 cards for home improvement
- 1Bank of America Customized Cash Rewards 3%
Bank of America · No annual fee- Pick home improvement furnishings as a bonus category (until you change it)
- Up to $2,500 of spending a quarter, then 1% cash back
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From the issuers' terms
- Bank of America Customized Cash Rewards: “3% cash back in the category of your choice” bankofamerica.com, checked 2026-10-28.
- Citi Double Cash: “Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay” citi.com, checked 2026-10-26.
- SoFi Unlimited 2%: “Members earn 2 rewards points for every dollar spent on purchases” sofi.com, checked 2026-10-24.
How this is ranked
Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.