Home Improvement Loan's Pro - Top Cards - July 2020

Home Improvement Loan Pros's Top Picks

best for cash back on everyday spending

Discover it® Cash Back

26,257 Reviews

Add to compare

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

5%: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%: Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro Bonus: Cashback Match™
Annual Fee: $0
Regular APR: 11.99% - 22.99% variable

Our Take

Read the full CreditCards.com review

Highlights

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back in any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
#1 Most Trusted Credit Card according to Investor's Business Daily.
No annual fee.
Discover is accepted nationwide by 99% of the places that take credit cards.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 14 months
Regular APR: 11.99% - 22.99% Variable
Intro Balance Transfers APR: 0% for 14 months

best for earning cash back

Citi® Double Cash Card

Add to compare

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2%: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Intro Bonus: No current offer
Annual Fee: $0
Regular APR: 13.99% - 23.99% (Variable)

Our Take

Read the full CreditCards.com review

Highlights

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 13.99% - 23.99% (Variable)
Intro Balance Transfers APR: 0% intro for 18 months on Balance Transfers

Best for excellent credit

Citi® Diamond Preferred® Card

Add to compare

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

Intro Bonus: No current offer
Annual Fee: $0
Regular APR: 14.74% - 24.74% variable

Our Take

Read the full CreditCards.com review

Highlights

0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 18 months on Purchases
Regular APR: 14.74% - 24.74% (Variable)
Intro Balance Transfers APR: 0% for 18 months on Balance Transfers

Discover it® chrome

1,041 Reviews

See Rates & Fees

Add to compare

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

2%: Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%: Earn 1% unlimited cash back on all other purchases – automatically.

Intro Bonus: Cashback Match™
Annual Fee: $0
Regular APR: 11.99% - 22.99% variable

Our Take

Read the full CreditCards.com review

Highlights

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. Based Customer Service available any time.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
Discover is accepted nationwide by 99% of the places that take credit cards.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 14 months
Regular APR: 11.99% - 22.99% Variable
Intro Balance Transfers APR: 0% for 14 months

Citi Rewards+® Card

Add to compare

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X: Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X: Earn 1X ThankYou® Points on All Other Purchases.

Intro Bonus: 15,000 points
Annual Fee: $0
Regular APR: 13.49% - 23.49% (Variable)

Our Take

Read the full CreditCards.com review

Highlights

The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro for 15 months on Purchases
Regular APR: 13.49% - 23.49% (Variable)
Intro Balance Transfers APR: 0% intro for 15 months on Balance Transfers

Discover it® Miles

322 Reviews

See Rates & Fees

Add to compare

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

1.5X: Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Intro Bonus: Discover Match®
Annual Fee: $0
Regular APR: 11.99% - 22.99% variable

Our Take

Read the full CreditCards.com review

Highlights

Unlimited Bonus: Only Discover will automatically match all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
New! Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
Discover is accepted nationwide by 99% of the places that take credit cards.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 14 months
Regular APR: 11.99% - 22.99% Variable
Intro Balance Transfers APR: 10.99% for 14 months

PenFed Gold Visa® Card

Add to compare

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

Intro Bonus: $100
Annual Fee: $0
Regular APR: 7.49% - 17.99% variable

Our Take

Read the full CreditCards.com review

Highlights

Rate and offers current as of March 1, 2021 and subject to change.
Purchase variable Rate As Low As 7.49% APR
$100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening.
0% promotional rate for 12 months on balance transfers made between now and March 31, 2021. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
No annual fee
No foreign transaction fee
No cash advance fees
Chip and Contactless 'Tap to Pay' enabled for added security, ease and convenience at the point of sale
Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
Digital wallet capable
Cash Advance APR 17.99%

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 7.49% - 17.99% Variable
Intro Balance Transfers APR: 0% for 12 months

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

Discover it® Cash Back

Rewards Rate

At A Glance

Our Take

Citi® Double Cash Card

Rewards Rate

At A Glance

Our Take

Citi® Diamond Preferred® Card

Rewards Rate

At A Glance

Our Take

Discover it® chrome

Rewards Rate

At A Glance

Our Take

Citi Rewards+® Card

Rewards Rate

At A Glance

Our Take

Discover it® Miles

Rewards Rate

At A Glance

Our Take

PenFed Gold Visa® Card

Rewards Rate

At A Glance

Our Take