Best credit card to use at Floor & Decor.
Floor & Decor is a hard surface flooring warehouse with over 240 U.S. stores carrying tile, wood, laminate, vinyl, stone, and installation accessories at contractor-friendly pricing. The retailer generally codes as home improvement on Visa, Mastercard, and Amex networks, which means it can earn the home improvement bonus on cards that include the category.
Picks without a tag earn at Floor & Decor both in-store and online. Watch for theOnline onlytag — those bonuses only apply on flooranddecor.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%
U.S. Bank Cash+ can deliver 5 percent on Floor & Decor when home improvement is one of the two selected categories, and the Bank of America Customized Cash offers a similar 3 percent. Floor & Decor PRO members can layer trade discounts on top of credit card rewards, and large flooring projects easily clear signup bonus minimums.
Last updated May 17, 2026