Best credit card to use at The Home Depot
The Home Depot 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.
Top cards at The Home Depot
- 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 The Home Depot
Home improvement covers big-box hardware and building supply stores. A purchase at The Home Depot 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 The Home Depot. 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 The Home Depot, 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.
The Home Depot cashback FAQ
What is the best credit card to use at The Home Depot?
Citi Double Cash® Card tops the list for The Home Depot, 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.
Is home improvement a year-round bonus category at The Home Depot?
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 The Home Depot 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 The Home Depot?
It depends on the purchase. Promotional financing at The Home Depot 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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