16 cards ranked
Best credit card to use at Home Depot.
Home Improvement
The Home Depot is the largest U.S. home-improvement retailer, with about 2,000 stores and a heavily-used Pro Xtra business loyalty program. The right card here depends a lot on whether you're a homeowner doing one project a year or a contractor running steady volume — the gap between the best home-improvement category card and a generic 2% card is meaningful at contractor spend levels. Home Depot codes as home improvement at the register and on homedepot.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
- #53.0%3x points
- #63%
- #72%
- #82%
- #9First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #10Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #11American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #12Navy 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%
- #132%
- #142%
- #152%
- #162%
Last updated May 17, 2026