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Home improvement spending — at Home Depot, Lowe’s, and hardware stores — can run into thousands of dollars. These cards maximize rewards on every renovation project.

Chase Freedom Flex

5% cash back when home improvement stores are a rotating category — check quarterly for Home Depot and Lowe’s.

• Rewards: 5% rotating categories, 3% dining/pharmacy, 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Citi Double Cash Card

2% on all home improvement purchases — reliable flat-rate rewards for any store or contractor.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Home Depot Consumer Credit Card

Special financing offers (6, 12, 24 months 0% APR) for large purchases — ideal for big renovation projects.

• Rewards: No ongoing rewards
• Annual Fee: $0
• Welcome Bonus: $25 off first purchase of $25+

Quick Comparison

Card	Rewards	Annual Fee	Best For
Chase Freedom Flex	5% rotating	$0	Category trackers
Citi Double Cash	2% everywhere	$0	Consistent rewards
Home Depot Card	Special financing	$0	Large projects

How to Choose

For big renovation projects, the Home Depot 0% financing card lets you spread payments interest-free. For everyday rewards, Chase Freedom Flex and Citi Double Cash are both excellent.

Frequently Asked Questions

Does Home Depot accept all credit cards?

Yes — Home Depot accepts Visa, Mastercard, Discover, and Amex in addition to its own store cards.

Is the Home Depot card worth it for small purchases?

No — the store card offers no ongoing rewards. Use a rewards card for small purchases and save the Home Depot card for financed projects.

Does Lowe’s have a credit card?

Yes — Lowe’s Advantage Card offers 5% off all Lowe’s purchases or special financing, similar to Home Depot’s card.

Cord-cutters pay for Netflix, Hulu, Spotify, and more every month. The right card can earn you 3–6% back on all your streaming subscriptions.

Blue Cash Preferred from Amex

6% cash back on select US streaming subscriptions — the highest streaming rate available.

• Rewards: 6% select streaming, 6% US supermarkets, 3% gas
• Annual Fee: $95
• Welcome Bonus: $250 after $3,000 spend in 6 months

Capital One SavorOne

3% on streaming services with no annual fee — covers Netflix, Hulu, Disney+, Spotify, and more.

• Rewards: 3% dining/entertainment/streaming/grocery, 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Chase Ink Business Cash

5% on streaming services (cable/internet category) for business accounts — best for content creators or businesses.

• Rewards: 5% on internet/cable/streaming, 2% gas/dining, 1% other
• Annual Fee: $0
• Welcome Bonus: $750 after $6,000 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Amex Blue Cash Preferred	6% streaming	$95	Streaming maximizers
Capital One SavorOne	3% streaming	$0	No-fee option
Chase Ink Business Cash	5% streaming	$0	Business accounts

How to Choose

The Amex Blue Cash Preferred gives 6% on streaming — best for households with 3+ streaming services. The SavorOne is the best no-fee option for most people.

Frequently Asked Questions

Which streaming services count for rewards?

Most major platforms qualify: Netflix, Hulu, Disney+, Max, Peacock, Paramount+, Spotify, Apple Music, and YouTube Premium.

Does the streaming reward apply to annual subscriptions?

Yes — annual streaming subscriptions earn the same rewards rate as monthly ones.

Is 6% back on streaming worth the annual fee?

At $15/month across 3 services, 6% back earns $10.80/year — not enough alone. The Amex Blue Cash Preferred pays off via grocery rewards.

Rideshare spending adds up quickly. The right card can earn you 3–5% back on every Uber and Lyft trip.

Chase Sapphire Reserve

Lyft partner card with 10x points on Lyft rides through March 2025, and unlimited DashPass for free food delivery.

• Rewards: 3x all dining/travel, 10x Lyft (special partnership)
• Annual Fee: $550
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Capital One SavorOne

3% on dining and entertainment — Uber Eats counts as dining, and rideshares often count too.

• Rewards: 3% dining/entertainment/grocery/streaming, 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Chase Freedom Unlimited

3% on dining — Uber Eats earns at the dining rate on many cards, plus solid catch-all 1.5%.

• Rewards: 3% dining/drugstores, 5% travel via Chase, 1.5% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Chase Sapphire Reserve	3x travel/dining	$550	Premium travelers
Capital One SavorOne	3% dining/entertainment	$0	Regular rideshare users
Chase Freedom Unlimited	3% dining	$0	Everyday card

How to Choose

For no-fee rideshare rewards, Capital One SavorOne’s 3% on dining applies to Uber Eats orders and often to Uber rides themselves. A great everyday card for city dwellers.

Frequently Asked Questions

Does rideshare spending count as travel or dining?

It depends on the card. Uber is often coded as dining, Lyft as travel — or vice versa. Check your card’s rewards categories.

Does Uber Eats count as dining on credit cards?

Usually yes — food delivery services like Uber Eats, DoorDash, and Grubhub typically earn at the dining rewards rate.

Is there a specific Uber credit card?

The Uber Visa by Barclays was discontinued. Uber primarily partners with Chase Sapphire Reserve for enhanced Lyft rewards.

Target shoppers have a clear winner for maximizing rewards, but other cards can compete for everyday Target spending.

Target RedCard Credit Card

Official Target card — 5% off every Target purchase automatically, including Target.com and Drive Up orders.

• Rewards: 5% off all Target purchases
• Annual Fee: $0
• Welcome Bonus: None (ongoing 5% discount)

Citi Double Cash Card

2% back at Target — useful if you prefer a general card or shop Target infrequently.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Chase Freedom Flex

Target purchases earn 1% base, but 5% when Target is a rotating category — worth checking quarterly.

• Rewards: 5% rotating (sometimes Target), 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Target RedCard	5% at Target	$0	Target loyalists
Citi Double Cash	2% everywhere	$0	Casual Target shoppers
Chase Freedom Flex	5% rotating	$0	Rotating category chasers

How to Choose

Regular Target shoppers should get the RedCard — 5% off every single Target purchase is one of the best store card deals available. It pays for itself after two grocery runs.

Frequently Asked Questions

What’s the difference between RedCard credit and debit?

The credit card builds credit history; the debit card pulls directly from your bank account. Both give 5% off.

Can I use the Target RedCard online?

Yes — the 5% discount applies to Target.com, Drive Up, Order Pickup, and Shipt delivery orders.

Does Target RedCard have a credit limit?

Typical starting limits are $200–$2,500. Not for high-limit needs, but sufficient for regular Target shopping.

Walmart accepts all major credit cards. These picks maximize your rewards at Walmart stores and Walmart.com.

Capital One Walmart Rewards Mastercard

Official Walmart card — 5% at Walmart.com, 2% in Walmart stores, 2% at restaurants and travel.

• Rewards: 5% Walmart.com, 2% Walmart stores, 2% restaurants/travel, 1% other
• Annual Fee: $0
• Welcome Bonus: 5% back in Walmart stores for first 12 months

Citi Double Cash Card

2% flat on all Walmart purchases — simple and effective without a co-branded card.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Chase Freedom Unlimited

Earns 1.5% on Walmart in-store purchases — solid catch-all Visa accepted everywhere.

• Rewards: 1.5% on most purchases including Walmart
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Capital One Walmart Rewards	5% Walmart.com	$0	Walmart shoppers
Citi Double Cash	2% everywhere	$0	Simple option
Chase Freedom Unlimited	1.5%	$0	Catch-all card

How to Choose

Heavy Walmart.com shoppers should get the Capital One Walmart Rewards card — 5% back on online orders is exceptional. In-store shoppers may prefer a flat-rate card for simplicity.

Frequently Asked Questions

Is the Walmart credit card worth it?

If you spend $200+/month at Walmart.com, the 5% return on online purchases makes it very worthwhile.

Does the Walmart card work outside Walmart?

Yes — the Capital One Walmart Rewards Mastercard works anywhere Mastercard is accepted.

What about Walmart grocery pickup?

Walmart.com orders including grocery pickup count as Walmart.com purchases and earn 5% with the Walmart card.

Costco is one of the few major retailers that accepts only Visa cards. These picks maximize your Costco and everyday spending rewards.

Costco Anywhere Visa by Citi

The official Costco credit card — 4% on gas, 3% restaurants/travel, 2% at Costco, 1% everywhere else.

• Rewards: 4% gas, 3% restaurants/travel, 2% Costco, 1% other
• Annual Fee: $0 (requires Costco membership)
• Welcome Bonus: None

Citi Double Cash Card

2% everywhere — great backup for Costco purchases if you don’t want a co-branded card.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Chase Freedom Unlimited

1.5–5% Visa card accepted at Costco, with elevated travel and dining rewards.

• Rewards: 5% travel, 3% dining, 1.5% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Costco Anywhere Visa	2–4% at Costco/gas	$0*	Costco members
Citi Double Cash	2% everywhere	$0	Simple backup
Chase Freedom Unlimited	1.5–5%	$0	Flexible Visa

How to Choose

Costco members should use the Costco Anywhere Visa card — 2% at Costco plus 4% at gas stations (including Costco gas) is hard to beat.

Frequently Asked Questions

What credit cards work at Costco?

Costco only accepts Visa credit cards in-store. All major Visa cards work, plus Costco debit cards.

Can I get the Costco Visa without a membership?

No — the Costco Anywhere Visa requires an active Costco membership.

How are Costco Visa rewards paid out?

Rewards accumulate throughout the year and are paid as a Costco cash voucher in February, redeemable at Costco.

Wells Fargo has relaunched its credit card lineup with competitive rewards, strong welcome bonuses, and unique benefits like cell phone protection.

Wells Fargo Active Cash Card

Simple true 2% cash rewards on everything — one of the best flat-rate cards anywhere with a solid welcome bonus.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Wells Fargo Autograph Card

Strong no-fee card with 3x on restaurants, travel, gas, transit, streaming, and phone — six key categories.

• Rewards: 3x on restaurants, travel, gas, transit, streaming, phone; 1x other
• Annual Fee: $0
• Welcome Bonus: 30,000 points after $1,500 spend in 3 months

Wells Fargo Reflect Card

Best for balance transfers — up to 21 months at 0% APR with no annual fee.

• Rewards: None (balance transfer focused)
• Annual Fee: $0
• Welcome Bonus: None

Quick Comparison

Card	Rewards	Annual Fee	Best For
Wells Fargo Active Cash	2% everything	$0	Flat-rate cash back
Wells Fargo Autograph	3x 6 categories	$0	Category spenders
Wells Fargo Reflect	None	$0	Balance transfers

How to Choose

Wells Fargo Active Cash and Autograph are both excellent no-fee cards. Active Cash for simplicity; Autograph if you spend heavily in its six 3x categories.

Frequently Asked Questions

What happened to Wells Fargo credit cards?

Wells Fargo revamped its credit card lineup, launching Active Cash and Autograph to become more competitive with Chase and Capital One.

Do Wells Fargo cards have foreign transaction fees?

Autograph has no foreign transaction fees. Active Cash charges 3% on international purchases.

What is the Wells Fargo cell phone protection benefit?

Active Cash and Autograph provide up to $600 cell phone protection (after $25 deductible) when you pay your phone bill with the card.

Bank of America cards shine for existing customers who can boost rewards through the Preferred Rewards program by up to 75%.

Bank of America Customized Cash Rewards

3% in a category you choose plus 2% at grocery stores — and Preferred Rewards members earn up to 5.25% in their chosen category.

• Rewards: 3% chosen category, 2% grocery/wholesale (up to $2,500/quarter), 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $1,000 spend in 90 days

Bank of America Unlimited Cash Rewards

Simple 1.5% flat-rate card that upgrades to 2.625% for Preferred Rewards Platinum Honors members.

• Rewards: 1.5% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,000 spend in 90 days

Bank of America Premium Rewards

2x on travel and dining with a $100 airline incidental credit and TSA PreCheck credit.

• Rewards: 2x travel/dining, 1.5x other
• Annual Fee: $95
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
BofA Customized Cash	3% custom/2% grocery	$0	BofA customers
BofA Unlimited Cash	1.5–2.625%	$0	Preferred Rewards members
BofA Premium Rewards	2x travel/dining	$95	Premium travel

How to Choose

Bank of America cards are most valuable for customers with $20,000+ in BofA or Merrill accounts — the Preferred Rewards boost can take a 3% card to 5.25%.

Frequently Asked Questions

What is the Bank of America Preferred Rewards program?

A loyalty program that boosts credit card rewards by 25–75% based on your combined BofA and Merrill account balances.

How do I maximize BofA rewards?

Hold $100,000+ in BofA/Merrill accounts to reach Platinum Honors tier, which gives a 75% rewards boost.

Are BofA cards good if I don’t bank there?

The base rewards are competitive but not exceptional. The cards are most compelling for existing BofA/Merrill clients.

Discover offers some of the most rewarding cards for building credit and earning cash back, with no foreign transaction fees and U.S.-based customer service.

Discover it Cash Back

Best Discover card overall — 5% in rotating quarterly categories (grocery, gas, Amazon, etc.) with first-year Cashback Match.

• Rewards: 5% rotating categories (up to $1,500/quarter), 1% other
• Annual Fee: $0
• Welcome Bonus: Cashback Match — all rewards doubled after year 1

Discover it Miles

Flat 1.5x miles on everything with no annual fee and the same first-year Cashback Match.

• Rewards: 1.5x miles on all purchases
• Annual Fee: $0
• Welcome Bonus: All miles matched at end of year 1

Discover it Secured

Best secured card on the market — real 2% rewards at restaurants and gas, no annual fee, and upgrade path to unsecured.

• Rewards: 2% at restaurants/gas, 1% other
• Annual Fee: $0
• Welcome Bonus: Cashback Match at end of year 1

Quick Comparison

Card	Rewards	Annual Fee	Best For
Discover it Cash Back	5% rotating	$0	Category maximizers
Discover it Miles	1.5x miles	$0	Travel earners
Discover it Secured	2% dining/gas	$0	Credit builders

How to Choose

The Discover it Cash Back is outstanding for anyone willing to track rotating 5% categories. For simplicity, Discover it Miles gives solid flat-rate rewards.

Frequently Asked Questions

How does Discover Cashback Match work?

At the end of your first 12 months, Discover automatically doubles all the cash back you’ve earned — no enrollment or limits.

Is Discover accepted everywhere?

Discover is accepted at over 99% of US merchants and widely internationally. It’s a major network like Visa and Mastercard.

Does Discover charge foreign transaction fees?

No — Discover has no foreign transaction fees on any of its cards.

Citi offers a diverse card lineup from no-fee cash back to premium travel rewards. Here are the top Citi cards worth having in your wallet.

Citi Double Cash Card

The best flat-rate cash back card period — 2% on everything with no annual fee and no gimmicks.

• Rewards: 2% on all purchases (1% when buy + 1% when pay)
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Citi Custom Cash Card

5% in your top spending category each billing cycle automatically — no enrollment needed.

• Rewards: 5% in your top category (up to $500/month), 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Citi Premier Card

Best Citi travel card with 3x on restaurants, supermarkets, gas, air travel, and hotels.

• Rewards: 3x restaurants, groceries, gas, air travel, hotels
• Annual Fee: $95
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Citi Double Cash	2% everywhere	$0	Simplicity
Citi Custom Cash	5% top category	$0	Single-category maximizers
Citi Premier	3x 5 categories	$95	Multi-category earners

How to Choose

Citi Double Cash for simplicity; Citi Custom Cash for automatic 5% in your biggest spend category; Citi Premier for travel rewards across five categories.

Frequently Asked Questions

What are Citi ThankYou points worth?

About 1 cent each for cash back, or more for travel and airline transfers. Transfer partners include Turkish Airlines, Singapore Airlines, and others.

Can I combine Citi ThankYou points from multiple cards?

Yes — Citi allows you to pool ThankYou points from multiple cards into one account.

Does Citi have a 5/24 rule like Chase?

No — Citi doesn’t use the same 5/24 rule, though they have their own restrictions on opening multiple Citi cards too quickly.