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19 cards ranked

Best credit card to use at Master Lock.

Home ImprovementOnline Shopping

Master Lock is a longtime American manufacturer of padlocks, combination locks, and security hardware, a category it has dominated since the 1920s and that now extends to bike locks, cable locks, and lock boxes sold through hardware stores and its own site. There is no Master Lock co-brand credit card, so purchases are best routed through a home-improvement category card, or a flat-rate cashback card if you would rather not track category bonuses for a lower-spend item like this.

Picks without a tag earn at Master Lock both in-store and online. Watch for theOnline onlytag — those bonuses only apply on masterlock.com.

  1. #1
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on home improvement
    3.5%5x points
  2. #2
    Bank of America Cash Rewards Securedif you select it
    Bank of America
    3% 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 row
    3%
  3. #3
    Bank of America Customized Cash Rewardsif you select it
    Bank of America
    3% 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 row
    3%
  4. #4
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  5. #5
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  6. #6
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on home improvement
    2.1%3x points
  7. #7
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  8. #8
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  9. #9
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  10. #10
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers 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%
  11. #11
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  12. #12
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  13. #13
    Ink Business Premier
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  14. #14
    Intuit Business
    WebBank
    2% flat-rate cashback
    2%
  15. #15
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  16. #16
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  17. #17
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  18. #18
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  19. #19
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated July 28, 2026

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