May 12, 2025: Home Depot’s in-store credit cards offer an opaque set of deals and financing offers. But if you want cash back and better rewards on your Home Depot purchases, there are better cards to use at Home Depot. Here are the best.
The best cards to use at Home Depot
Here are the best cards to use at Home Depot and a quick summary of the cards’ rewards and benefits. Scroll down for more on each card.
| Our pick for occasional Home Depot shoppers | |
 Citi Custom Cash® Card Annual fee: annual_fees | Cash back rewards: Up to 5% back in cash back at your top eligible category, including home improvement stores. Recommended for: Up to $500 of Home Depot spending each month. Rewards cap. |
| Our pick for contractors and heavy spenders | |
 Ink Business Premier® Credit Card Annual fee: annual_fees | Cash back rewards: 2% everywhere, 2.5% cash back on large purchases ($5,000 or more.) Other useful benefits: Purchase Protection, Extended Warranty. Recommended for: Large, frequent purchases. |
 Bank of America® Customized Cash Rewards credit card Annual fee: annual_fees | Cash back rewards: Up to 3% (5.25% with banking relationship) in a category you choose, including home improvement/furnishings. Other useful benefits: Extended Warranty. Recommended for: Up to $2,500 of Home Depot spending each quarter. Rewards cap. Enrollment Required. Best with banking relationship. |
 U.S. Bank Altitude® Reserve Visa Infinite® Card Annual fee: $400 | Rewards: 3x when using mobile wallet. (3% cash back or 4.5% toward travel.) Other useful benefits: Extended Warranty, Purchase Security, Return Protection. Recommended for: In-store purchases using mobile wallet. Must use mobile wallet. No longer available to new cardmembers. |
Citi Custom Cash®: Up to 5% cash back for occasional Home Depot shoppers
For most people, trips to Home Depot are usually associated with a home repair or maintenance project. Painting a room might require a few hundred dollars of supplies, but likely isn’t something you’re doing every day. Using your Citi Custom Cash® card can get you 5% rewards on the first $500 you spend at Home Depot each month.
Maximizing rewards. The key to maximizing the Custom Cash card’s rewards is to pick a category and use the card only in that category during the month—and then only for the first $500 you spend. Purchases in categories that aren’t your highest eligible category will only earn 1%, and any purchases beyond $500 total in your highest eligible category will only earn 1% as well.
Another upside to getting a Custom Cash card for your Home Depot purchases is that the card can get you more rewards, even when you’re not working on a home project. The card’s 5%-eligible categories include several other very usable bonus categories.
Annual fee: annual_fees
All information about the Citi Custom Cash℠ Card has been collected independently by cardsandpoints.com.
The Citi Custom Cash℠ Card offers 5% rewards on up to $500 spent in your highest eligible category each statement cycle.
Welcome offer
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is marketed as cash back, but earned as ThankYou® Points.
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 on the Citi Travel℠ portal through 6/30/2025.
- 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
Ink Business Premier® Credit Card: Great if your business buys from Home Depot
If you own a business that buys a lot from Home Depot—say, you are a contractor and materials for a job might run into the several thousands of dollars—then the Ink Business Premier® Credit Card is probably your best choice.
Maximizing rewards. The biggest win is maximizing the card’s 2.5% cash back rewards. If you can bundle your purchases into single transactions of $5,000 or more, you’ll get 2.5% cash back rewards on your purchase.
Yes, the card does have an annual fee (annual_fees), but if you’re the type of business owner that this card is meant for, you’ll easily make that up (and more) in rewards.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Premier® Credit Card is a great choice for small business owners who make large purchases and want simple-to-use cash back rewards.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as points which can be redeemed for cash back. These points cannot be transferred to other Chase cards or travel transfer partners.
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.
Bank of America® Customized Cash Rewards credit card: Great opportunity for relationship banking clients
If you’re a Bank of America Preferred Rewards client with Platinum Honors or higher status, you can get up to 5.25% rewards with the Bank of America® Customized Cash Rewards card.
Here how this works: The card gets 2% rewards at grocery stores and wholesale clubs and 3% rewards in a category you select on the first $2,500 each quarter in purchases across all of the card’s bonus categories. Select “Home improvement & furnishings” to get 3% base rewards at Home Depot.
If you have $100,000 or more on deposit with Bank of America and Merrill, you can qualify for Preferred Rewards status with Platinum Honors. That status gets you a 1.75x rewards multiplier on this card, which means the 3% base rewards in your select category becomes 5.25%. That’s an incredible rate of cash back at Home Depot.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Bank of America® Customized Cash Rewards Credit Card has been collected independently by cardsandpoints.com.
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.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as cash back rewards.
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.
U.S. Bank Altitude® Reserve Visa Infinite® Card: Absolutely great option if you have it
You can’t get the U.S. Bank Altitude® Reserve Visa Infinite® Card as a new cardmember anymore, but if you already have the card, it can be a great option to use at Home Depot. And since there’s no cap on the rewards you can earn, it’s great for people who spend a lot at Home Depot.
Maximizing rewards. First, always use the card with your mobile wallet’s tap-to-pay feature in-store. Doing this will get you 3x points on every purchase. Second, redeeming your points for travel through U.S. Bank’s portal will get you 1.5 cents for each of your points. Yes, you could redeem your points for cash back, but you’ll only get 1.0 cents per point when you redeem them this way.
Additionally, you can redeem your points for statement credits through U.S. Bank Real-Time Rewards when you charge certain travel charges to your card. If you choose this option, be sure to do the math on how much value you’re getting for your redemptions—only some redemptions will give you 1.5 cents for each of your points.
Annual fee: $400
Foreign transaction fee: None.
All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com.
The U.S. Bank Altitude® Reserve Visa Infinite® card offers some of the best rewards—equivalent to 3% cash back or 4.5% travel rewards—anywhere you can use mobile wallet to pay.
Sign-up bonus
The U.S. Bank Altitude® Reserve Visa Infinite® card is no longer available to new cardmembers.
Rewards
- 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 3x points on mobile wallet spending with Apple Pay®, Google Wallet, and Samsung Pay.
- 3x points on eligible travel purchases.
- 1x points on all other eligible purchases.
Rewards are earned as Altitude Rewards points.
Altitude Rewards points can be redeemed for cash back at 1 cent per point or used to book travel through the Altitude Rewards center at 1.5 cents per point. You can also redeem your points against travel purchases through Real Time Rewards at 1.5 cents per point.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase security.
- Return protection.
- Personal identity theft protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Lost luggage reimbursement.
- Travel accident insurance.
- Emergency evacuation and transportation.
- Trip cancellation/interruption coverage.
- Trip delay reimbursement.
- Travel and emergency assistance services.
Travel benefits
- Airport lounge access. Complimentary Priority Pass™ Select membership with 8 free visits annually.
- TSA PreCheck or Global Entry statement credit.
Partner benefits and statement credits
- $325 annual statement credit for eligible travel and dining purchases.
- 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.
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.
