Best credit card for home improvement

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase on home improvement on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins on home improvement

Top cards on home improvement

  1. American Express Blue Business Plus

    Top pick3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.
  2. Robinhood Gold Card

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back base rate.
  3. Bilt Palladium

    3% back · $495 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Bilt points valued at 1.5¢ each.
  4. American Express Business Platinum Card

    3% back · $895 annual fee

    $3.00 on $100

    • 2x points on home improvement.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.
  5. Bank of America Customized Cash Rewards

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on home improvement.
    • A category you picked for this card.
    • Counted with Home improvement and furnishings picked as its 3% category.
    • The bonus rate covers up to $2,500 of spend a quarter.
  6. Citi Double Cash

    2.8% back · $0 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Citi ThankYou points valued at 1.4¢ each.
  7. Capital One Venture Business

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.
  8. Capital One Venture Rewards

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.
  9. Capital One Venture X Business

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.
  10. Capital One Venture X Rewards

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.