Hearth&#039;s Best Credit Cards to Fund Home Improvement

on Capital One's secure site

Capital One Venture X Rewards Credit Card

on Capital One's secure site

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Rewards Rate

10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles 2 Miles per dollar on every purchase, every day

Intro offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual fee

Recommended credit

Excellent (740 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
- 2 Miles 2 Miles per dollar on every purchase, every day
Additional features

Purchase intro APR

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Chase Freedom Unlimited®

on Chase's secure site

Chase Freedom Unlimited®

on Chase's secure site

Rewards Rate

5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5% 1.5% cash back on all other purchases.

Intro offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
- 1.5% 1.5% cash back on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

The Platinum Card® from American Express

on American Express's secure site

The Platinum Card® from American Express

on American Express's secure site

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Rewards Rate

5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Annual fee

APR

Recommended credit

Good to Excellent (670 – 850)

- 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Additional features

Purchase intro APR

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Chase Sapphire Reserve®

on Chase's secure site

Chase Sapphire Reserve®

on Chase's secure site

Rewards Rate

10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5x Earn 5x total points on flights through Chase Travel℠.
3x Earn 3x points on other travel and dining.
1x Earn 1 point per $1 spent on all other purchases.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual fee

Recommended credit

Excellent (740 – 850)

- 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
- 5x Earn 5x total points on flights through Chase Travel℠.
- 3x Earn 3x points on other travel and dining.
- 1x Earn 1 point per $1 spent on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Chase Sapphire Preferred® Card

on Chase's secure site

Chase Sapphire Preferred® Card

on Chase's secure site

Rewards Rate

5x 5x on travel purchased through Chase Travel℠.
3x 3x on dining, select streaming services and online groceries.
2x 2x on all other travel purchases.
1x 1x on all other purchases.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5x 5x on travel purchased through Chase Travel℠.
- 3x 3x on dining, select streaming services and online groceries.
- 2x 2x on all other travel purchases.
- 1x 1x on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Ink Business Cash® Credit Card

on Chase's secure site

Ink Business Cash® Credit Card

on Chase's secure site

4.3 Bankrate review

4.3 Bankrate review

Rewards Rate

5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Intro offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Additional features

Purchase intro APR

Balance transfer intro APR

American Express® Gold Card

on American Express's secure site

American Express® Gold Card

on American Express's secure site

See Rates & Fees , Terms Apply

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Rewards Rate

4X Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3X Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro offer

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Annual fee

APR

Recommended credit

Good to Excellent (670 – 850)

- 4X Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- 4X Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- 3X Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- 2X Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- 1X Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Ink Business Preferred® Credit Card

on Chase's secure site

Ink Business Preferred® Credit Card

on Chase's secure site

4.1 Bankrate review

4.1 Bankrate review

Rewards Rate

3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

Intro offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Additional features

Purchase intro APR

Balance transfer intro APR

Citi Strata Premier℠ Card

on Citi's secure site

Citi Strata Premier℠ Card

on Citi's secure site

4.7 Bankrate review

See Rates & Fees

4.7 Bankrate review

Rewards Rate

10X Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3X Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
1X Earn 1 Point per $1 spent on all other purchases

Intro offer

For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 10X Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- 3X Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- 1X Earn 1 Point per $1 spent on all other purchases
Additional features

Purchase intro APR

Balance transfer intro APR

Capital One Savor Cash Rewards Credit Card

on Capital One's secure site

Capital One Savor Cash Rewards Credit Card

on Capital One's secure site

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