Best Credit Card Options for Home Improvement and Spring Cleaning Projects

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Best Credit Card Options for Home Improvement and Spring Cleaning Projects

“Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.”

With April now underway, it’s time once again for the annual tradition of “spring cleaning” to commence. In some cases, this may mean some simple tidying and sprucing — while others may take the opportunity to begin much larger home improvement projects. Regardless of which description fits you, there may actually be a credit card that could benefit you during your springtime projects. Whether this means saving on spring cleaning supplies, earning cashback on home improvement purchases, or scoring big bonuses from your heightened spending, there may just be a new card worth adding to your wallet.

With that in mind, let’s take a look at some of the best cards across three different scenarios:

Spring Cleaning

Blue Cash Everyday Card from American Express

  • Key perk: 3% cashback at U.S. supermarkets (up to $6,000 in purchases per year)
  • Annual Fee: None
  • Current welcome bonus: $200 back after spending $1,000 in your first three months

The Blue Cash Everyday Card from American Express offers rewards on practical spending you’ll not only do during the spring but likely use year-round. For one, it earns 3% cashback at U.S. supermarkets (up to $6,000 in purchases per year), allowing you to earn cashback while picking up cleaning supplies and filling up your pantry. On top of that, the card earns 2% back on purchases at select U.S. department stores — which could come in handy should you discover you need additional storage solutions, furniture, etc. Rounding out the main rewards, the Blue Everyday also features 2% back at U.S. gas stations and 1% back on everything else.

Currently, new Blue Cash Everyday cardholders can earn $200 cashback after they spend $1,000 on the card in their first three months. All in all, these benefits make the card a smart option if you’re looking to tidy up your home this spring.

Blue Cash Preferred Card from American Express

  • Key perk: 6% cashback at U.S. supermarkets (up to $6,000 a year in purchases)
  • Annual Fee: $0 introductory annual fee for one year, then $95 per year
  • Current welcome bonus: Earn a $300 statement credit when you spend $3,000 on the card in your first six months

If the Blue Cash Everyday Card sounds good but you want to take things up a notch, there’s also the Blue Cash Preferred Card from American Express. Most notably, this option earns an impressive 6% cashback at U.S. supermarkets (up to $6,000 a year in purchases). Then, if “cord-cutting” happens to be on your spring cleaning list, you’ll be glad to know that you can also earn 6% cashback on U.S. streaming service subscriptions. Plus, you’ll earn 3% back on U.S. gas station purchases and 1% back on everything else.

It is important to point out that Blue Cash Preferred Card does typically carry a $95 annual fee, although this is waived for your first year. Additionally, with the current welcome bonus, you can earn a $300 statement credit when you spend $3,000 or more on the card in your first six months. Therefore, this is another strong contender that can fit a variety of your spending needs.

Home Improvement

Chase Freedom Flex

  • Key perk: 5% cashback on spending in bonus categories each quarter you activate (up to $1,500 in combined purchases)
  • Annual Fee: None
  • Current welcome bonus: $200 back after spending $500 in purchases in your first three months

One relatively new card option on this list is the Chase Freedom Flex. The star feature of this card is the rotating 5% bonus category that changes each quarter. As luck would have it, the 5% bonus categories for April-June 2021 include home improvement stores and gas stations. However, be aware that the 5% bonus is capped at $1,500 in combined spending between the stated categories. Of course, beyond these bonus categories, the Chase Freedom Flex offers other impressive rewards, including 5% back on travel booking made through the Chase Ultimate Reward portal, 3% back on dining (including takeout and eligible delivery services), 3% back on drug store purchases, and 1% back on everything else.

Meanwhile, the Chase Freedom Flex currently boasts an attractive welcome bonus as well. You can earn $200 back when you spend just $500 on the card in your first three months. So, while this card will evolve over time, if home improvement is on your list, you may want to add it to your wallet before this quarter’s bonus ends.

SoFi Credit Card

  • Key perk: 2% cashback on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi
  • Annual Fee: None
  • Current welcome bonus: Up to $100 when you open and fund a SoFi Money and a SoFi Invest account after being approved for the SoFi Credit Card

Another credit card option that only recently hit the market is the SoFi Credit Card. What makes this an interesting choice is that SoFi happens to offer home improvement personal loans among other products. Thus, in theory, you could borrow for your project, use your SoFi Credit Card to earn 2% back on your purchases, and put that cashback toward paying off your loan. Alternatively, you can also deposit the funds into a SoFi Money or SoFi Invest account.

On that note, new customers can currently earn up to $100 back when they open a SoFi Money or SoFi Invest account after being approved for the SoFi Credit Card. All things considered, you could almost say that the SoFi Credit Card allows you the opportunity to spring-clean your finances and your home at the same time.

Other Ideas (Big Welcome Bonuses)

If none of the card options that reward specific spending categories appeal to you, there may be another way to make the most of your Spring spending. Since home improvements can get pricey, it may make sense to take advantage of this by signing up for a card that includes a large initial spending requirement along with a lucrative welcome bonus. Let’s take a look at a few options that fall into this category.

The Platinum Card from American Express

  • Annual Fee: $695
  • Current welcome bonus: 100,000 Membership Rewards points when you spend $6,000 in your first six months + 10x points at restaurants and Shop Small businesses in the U.S. during your first six months of membership (up to $25,000 in combined spending)

If it wasn’t clear from the $695 annual fee that this card commands, the Platinum Card from American Express is a premium product. That said, the perks you enjoy for that price can make the card well worth it. Among the many benefits of the Platinum card, you’ll receive $200 in hotel credits per year toward prepaid Fine Hotel + Resorts and Hotel Collection bookings, $240 a year in digital entertainments credits (Peacock, Audible, SiriusXM, and/or The New York Times), $179 in CLEAR credits per year, $300 in Equinox credits per year, $200 a year in Uber credits, $200 a year in airline incidental credits, $100 a year in Saks Fifth Avenue credits, and more. Plus, the card features airport lounge access, complimentary hotel status, and beyond.

Keeping with the “big” theme, the Platinum card also has a major welcome bonus. Currently, you can earn 100,000 Membership Rewards points after you spend $6,000 on the card in your first six months. Incidentally, the card is also currently offering new cardholders 10x points at restaurants and at Shop Shop small businesses in the U.S. (up to $25,000 in combined purchases) for your first six months of card membership. Ultimately, whether you’ve had your eye on the American Express Platinum card before or are just now discovering its benefits, it may make sense to leverage the spending associated with your home improvement project to earn yourself this hefty bonus and enjoy the many perks of Platinum as travel resumes.

Capital One Venture

  • Annual Fee: $95
  • Current welcome bonus: 100,000 miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months

The Capital One Venture card is another travel card — albeit one that’s a bit less intimidating for beginners. The Venture earns cardholders two miles per dollar spent on every purchase they make with the card. As attractive as that is, what lands the card on this list is its current welcome bonus.

Right now, new Capital One Venture cardholders can earn a whopping 100,000 miles when they spend $20,000 in purchases during their first 12 months. If that’s still a bit out of your reach, you can still earn 50,000 miles for spending $3,000 on the card in your first three months. Either way, if you have a large spring cleaning project ahead, signing up for and using your Venture card for your purchases could easily mean a free flight when it’s time for a summer vacation.

Seeing as spring has officially sprung, there’s a good chance that you’re preparing to undertake a spring cleaning or home improvement project of your own. Before you do, it may worth looking at how a new credit card might help along the way. Hopefully, with these options, you’ll be able to make your project budget go further or save up your rewards for the rest of the year ahead.

“DyerNews has partnered with CardRatings for our coverage of credit card products. and CardRatings may receive a commission from card issuers.” (Note: advertising relationships do not have any influence on editorial content. Advertising compensation allows to provide quality content for free. All editorial opinions are those of the individual author and/or Dyer News.)

Also published on Medium.


Kyle Burbank

Kyle is a freelance writer and author whose first book, "The E-Ticket Life" is now available on Amazon. In addition to his weekly "Money at 30" column on Dyer News, he is also the editorial director and a writer for the Disney fan site and has recently starting publsihing his own personal finance blog at

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I have few projects in mind this spring and I love cashback and bonus points but applying for a new credit card is a pass for now. Nice selection though.

Thanks for the list. It’s a great starting point for finding the best credit cards for every use.

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