18 cards ranked
Best credit card to use at Ace Hardware.
Home Improvement
Ace Hardware is a cooperative of about 5,000 independently-owned hardware stores in the U.S., smaller and more service-oriented than Home Depot or Lowe's. Ace's own Ace Rewards loyalty program layers on top of card cashback. Notably, Ace Hardware is one of the merchants that earns 3% on the Apple Card via Apple Pay, alongside the home-improvement category match on general-purpose cards.
- #13.5%5x points
- #23%
- #3Bank of America Cash Rewards Securedif you select itBank of America3% 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 row3%
- #4Bank of America Customized Cash Rewardsif you select itBank of America3% 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 row3%
- #53%
- #62.1%3x points
- #72%
- #82%
- #9First Electronic Bank2% flat-rate cashbackTiers 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%
- #10Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #11American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #122%
- #132%
- #14Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #152%
- #162%
- #172%
- #182%
Last updated July 28, 2026