If a large home improvement purchases is in your future, or if you frequent make large purchases from Home Depot for your work, you might be interested in a card that earns more than 2% rewards at Home Depot.
Here are the best cards for Home Depot purchases that can earn more than 2% on your purchases:
| Card | Rewards at drugstores | |
|---|---|---|
 | Citi Custom Cash® Card Review Welcome Bonus | 5% cash back on the first $500 you spend in top category each month. Eligible categories include grocery stores. Annual fee: $0 |
 | Ink Business Premier® Credit Card Review Welcome Bonus | 2.5% cash back on large purchases of $5,000 or more. 2% cash back on other purchases Annual fee: $195 |
 | U.S. Bank Shopper Cash Rewards® Visa Signature® Card Review | 6% cash back on two retailers you choose, on up to $1,500 in combined eligible purchases each quarter. Eligible retailers include Home Depot. Annual fee: $0 intro annual fee for the first year ($95/year thereafter) |
 | Discover It Cash Back Review Welcome Bonus | Earn 5% cash back at home improvement stores from April-June 2026. Requires activation and subject to a $1,500 cap on spending. Annual fee: $0 |
The cards above will be the best for most people, but here are a few more options that might be available to you, based on your banking relationships:
| Card | Rewards at drugstores | |
|---|---|---|
 | U.S. Bank Smartly™ Visa Signature® Card | Up to 4% cash back everywhere. Rewards require 100k+ banking relationship and are subject to a $10k/month spending cap. Annual fee: $0 |
 | Bank of America® Customized Cash Rewards credit card | Up to 5.25% at home improvement stores. Requires category selection, subject to cap of $2,500 of quarterly spending, and requires $100k+ banking relationship. Annual fee: $0 |
More on the best cards for Home Depot purchases
Here’s a bit more on each of the cards on our list.
Citi Custom Cash®
The Citi Custom Cash® Card offers 5% rewards on up to $500 spent in your highest eligible category each statement cycle. You could use the card exclusively for your home improvement store purchases. Pro tip: If you’ve got a large project coming up, use the card to purchase $500 gift cards for a few months to get 5% back on all of it.
Citi Custom Cash® Card welcome offer
Welcome offer: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
This bonus is marketed as cash back, but earned as Citi ThankYou® Points. This card enables cash back redemptions at 1 cent per point.
Annual fee: $0
Rewards
- 5% cash back on your top eligible spend category each billing cycle on up to $500 spent.
- 5% on hotels, car rentals, and attractions booked with Citi Travel®.
- 1% cash back on all other purchases.
Rewards are marketed as cash back, but earned as Citi ThankYou® points.
5% eligible categories
5% eligible categories include:
- Restaurants
- Gas stations
- Grocery stores
- Select travel
- Select transit
- Select streaming services
- Drugstores
- Home improvement stores
- Fitness clubs
- Live entertainment
Benefits
- Extended warranty
- Citi merchant offers
- Virtual account numbers
- Free FICO score
Rates and Fees
- Annual fee: $0
- Foreign transaction fee: 3% of each purchase transaction in US dollars.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is a good choice for general contractors who make many large ($5000+) purchases at home improvement stores. You’ll earn 2.5% cash back on these large purchases, plus 2% on everything else.
Ink Business Premier® Credit Card welcome offer
Welcome offer: Earn $1,000 Bonus Cash Back After you spend $10,000 on purchases in the first 3 months after account opening.
Unlike the other Chase Ink cards, this card’s bonus is earned as points that can only be redeemed for cash back. This card’s points are not transferrable to other cards.
Annual fee: $195
Rewards
- 2.5% on large purchases of $5,000 or more.
- 2% on all other business purchases.
Rewards are earned cash back.
Benefits
Consumer insurance benefits
- Purchase protection.
- Extended warranty protection.
- Cell phone protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Rates and Fees
- Annual fee: $195
- Foreign transaction fee: None
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Since Home Depot is one of the merchants you can select for 6% rewards with the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, this card could be your go-to card for Home Depot.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card welcome offer
Welcome offer: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
The bonus is awarded as additional cash rewards
Maximum cash back rewards value applies only if you redeem rewards as a statement credit or a direct deposit into a U.S. Bank account.
Annual fee: $0 intro annual fee for the first year ($95/year thereafter)
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash rewards. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Rates and fees
- Annual fee: $0 intro annual fee for the first year ($95/year thereafter)
- Foreign transaction fee: 3% of each foreign transaction
Discover It Cash Back
Since home improvement stores is one of the featured in Discover’s rotating quarterly categories for Q2 2026, the Discover It Cash Back gets a temporary spot on this list. The card is even more attractive in the first year, thanks to its dollar-for-dollar cash back match.
Discover it® Cash Back welcome offer
Welcome offer: Earn a $100 statement credit after you apply through a referral link and make your first purchase within 3 months of getting approved.
The $100 bonus is earned as a statement credit and the dollar-for-dollar cash back match is earned as additional cash back rewards.
Annual fee: $0
Rewards
- 5% on up to $1,500 in combined purchases in Discover’s rotating 5% categories each calendar quarter.
- 1% on all other purchases.
Rewards are earned as cash back, but can also be redeemed for gift cards. When you redeem for select gift cards, you’ll get better-than-cash-back value for your rewards.
Benefits
The Discover it® Cash Back card offers no substantive benefits.
Rates and fees
Annual fee: $0
Foreign transaction fee: None
U.S. Bank Smartly™ Visa Signature® Card
The U.S. Bank Smartly™ Visa Signature® Card can get you up to 4% rewards everywhere with a $100k+ banking relationship with the bank. If you have substantial deposits with U.S. Bank, this card might be your best bet for Home Depot purchases.
Rewards
Unlimited 2% cash back on every purchase.
Up to an additional 2% cash back if you have a U.S. Bank Smartly® Savings account and hold a significant amount of deposits with U.S. Bank. Qualifying deposits include balances in U.S. Bank deposit, trust, and investment accounts.
- Earn a total of 2.5% with a qualifying balance between $5,000 and $49,999.
- Earn a total of 3% with a qualifying balance between $50,000 and $99,999.
- Earn a total of 4% with a qualifying balance of $100,000 or more.
Rewards are earned as points which must be redeemed as a credit into an eligible U.S. Bank deposit account if you want to get the full amount of cash back.
Benefits
The U.S. Bank Smartly™ Visa Signature® Card does not advertise any significant benefits beyond its cash back.
Rates and fees
Annual fee: $0
Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card offers up to 3% cash back rewards in a category you choose—and up to 5.25% cash back if you’re a Preferred Rewards member with Platinum or higher status. Choose home improvement stores as your category to earn maximum rewards at Home Depot.
Bank of America® Customized Cash Rewards credit card welcome offer
Welcome offer: Earn 6% cash back for the first year from account opening in your choice category. Plus, get a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
This bonus is earned as cash back rewards.
Annual fee: $0
Rewards
- 3% in the category of your choice.
- 2% at grocery stores and wholesale clubs.
- 1% on all other purchases.
You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Rewards are earned as cash back. If you have Bank of America Preferred Rewards, you’ll receive additional rewards based on your rewards multiplier of up to 1.75. Your rewards multiplier is based on your relationship with Bank of America and Merrill.
3% choice categories
Choose one of the following categories to earn 3% cash back:
- Gas and EV charging stations.
- Online shopping, including cable, internet, phone plans, and streaming.
- Dining.
- Travel.
- Drug stores and pharmacies.
- Home improvement and furnishings.
You can change your choice category once each calendar month. You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Benefits
Consumer insurance benefits
- Extended Warranty Protection.
Travel insurance benefits
- Travel and Emergency Assistance Services.
- Roadside Dispatch.
Rates and fees
- Annual fee: $0
- Foreign transaction fee: 3% of the U.S. dollar amount of each transaction
Bottom line: Easy to get bonus rewards at Home Depot
Whether you are a homeowner patching a hole in a wall, a plant-lover buying a few plants for the garden, or a contractor spending a five-figure amount on materials monthly, you can earn a generous amount of rewards on every purchase at Home Depot. For occasional Home Depot customers, we like the Citi Custom Cash® Card, but if you’re buying for your business, the Ink Business Premier® Credit Card is a better call.
