Ace Hardware credit card, and the best card to use
Ace Hardware purchases fall under home improvement. Here are the cards that earn the most there, ranked from live reward data. CashCatch checks your own wallet in a tap.
Ace Hardware has its own card — the Ace Rewards Visa Card. A co-branded Visa issued by U.S. Bank that earns Ace Rewards points on everyday spending, redeemable at participating Ace stores. It earns mainly at Ace Hardware; the cards below earn everywhere, so it is worth comparing both.
- Free Ace Rewards loyalty program
- A cooperative of independently owned local hardware stores rather than corporate-owned locations
Top cards at Ace Hardware
- 12%Citi Double Cash® Card2% base (everything else)No annual fee
- 22%Synchrony Premier World Mastercard®2% base (everything else)No annual fee
- 32%Wells Fargo Active Cash® Card2% base (everything else)No annual fee
- 42%Capital One Venture Rewards Credit Card2x pts base (everything else)$95/yr annual fee
- 52%Chase Sapphire Preferred® Card2x pts base (everything else)$95/yr annual fee
- 62%Capital One Venture X Business2x pts base (everything else)$395/yr annual fee
Rates come from our live dataset and can change. Always verify with the card issuer before you rely on a number.
How to earn the most at Ace Hardware
Home improvement covers big-box hardware and building supply stores. A purchase at Ace Hardware earns a home improvement bonus only on cards that include the category, and it is less common than groceries or dining. On some cards it appears as a rotating or seasonal bonus that is active only part of the year, so timing matters at Ace Hardware. Store-branded financing offers also compete for your attention here, and choosing a promotional financing plan often means giving up cashback on that purchase.
To choose a card for Ace Hardware, check whether any card in your wallet rewards home improvement and whether that bonus is active right now if it rotates. For a large project, the math can favor either a category bonus or a strong flat everyday rate, so it is worth comparing before a big purchase. Weigh any store financing offer against the rewards you would forgo by using it. Category availability and rates change through the year, so the ranking above uses current data rather than a fixed answer.
Ace Hardware cashback FAQ
Does Ace Hardware do cash back?
The cash back you control at Ace Hardware comes from how you pay, not from the store. Right now the top card earns 2% back there (Citi Double Cash® Card), and paying with the right card works alongside any Ace Hardware loyalty program or promotion you already use.
What is the best credit card to use at Ace Hardware?
Citi Double Cash® Card tops the list for Ace Hardware, earning 2% here (2% base (everything else)). But the best card is whichever one in your own wallet earns the most on home improvement, which is exactly what CashCatch checks for you in a tap.
Does Ace Hardware have its own credit card?
Yes — the Ace Rewards Visa Card. A co-branded Visa issued by U.S. Bank that earns Ace Rewards points on everyday spending, redeemable at participating Ace stores. It earns rewards mainly at Ace Hardware and its partners, so it is worth weighing against the cards ranked above, which earn wherever you shop.
Is home improvement a year-round bonus category at Ace Hardware?
Not always. Some cards offer home improvement as a permanent category, while others rotate it in for a quarter or a season, meaning purchases at Ace Hardware earn the elevated rate only during that window. If your card uses rotating categories, check whether home improvement is active and whether activation is required before a large purchase.
Should I use store financing or a cashback card at Ace Hardware?
It depends on the purchase. Promotional financing at Ace Hardware can save on interest for a large project, but these plans usually mean forgoing the cashback a rewards card would earn. For purchases you can pay off quickly, a rewards card often comes out ahead. Compare the interest saved against the rewards given up before deciding.
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