Best credit card to use at Ferguson.
Ferguson is the largest U.S. wholesale distributor of plumbing, HVAC, lighting, appliances, and waterworks products, with over 1,600 locations including Ferguson Bath, Kitchen & Lighting Gallery showrooms. Many Ferguson locations code as home improvement on credit card networks, which makes large remodel and new construction purchases eligible for home improvement bonus categories.
Picks without a tag earn at Ferguson both in-store and online. Watch for theOnline onlytag — those bonuses only apply on ferguson.com.
- #1Discover 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%
- #2Discover 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%
- #3NHL 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%
- #45.0%5x points
- #5Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #63.0%3x points
- #73%
- #82%
- #92%
- #10First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #11Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #12American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #13Navy 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%
- #142%
- #152%
- #162%
- #172%
Cards like the U.S. Bank Cash+ with home improvement selected and the Bank of America Customized Cash can earn 3 to 5 percent on Ferguson invoices. Kitchen and bath renovations frequently run five figures, which makes the retailer useful for clearing premium signup bonus minimums on the Capital One Venture X or the Chase Sapphire Reserve.
Last updated May 17, 2026