Best credit card to use at True Value.
True Value is a cooperative network of roughly 4,000 independent hardware stores across the United States, offering paint, tools, lawn and garden goods, and neighborhood store service. Because individual stores set their own merchant category codes, True Value purchases may code as home improvement or as general retail depending on the location.
Picks without a tag earn at True Value both in-store and online. Watch for theOnline onlytag — those bonuses only apply on truevalue.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 with broad home improvement bonuses, including the Wells Fargo Bilt and U.S. Bank Cash+ when home improvement is selected, can deliver 4 to 5 percent on True Value runs when the location codes correctly. Online orders placed through truevalue.com for ship-to-store pickup may also trigger online shopping category bonuses on rotating quarter cards.
Last updated May 17, 2026