Best Credit Cards for Homeowners
Editor’s Note (2025): This article was originally published in 2019 and has been fully updated for clarity, accuracy, and current credit card offerings. Outdated programs and broken links have been replaced so today’s homeowners can make informed financial choices.
The Best Credit Cards for Homeowners
Buying a new home is one of the most exciting milestones of your life — but it also comes with a long list of expenses. From furniture and appliances to paint, lighting, and everyday household essentials, the costs add up quickly. That’s why choosing the right credit card can make a meaningful difference in your monthly budget, especially during your first year as a homeowner.
To help simplify the search, we’ve rounded up several highly rated credit cards that offer strong rewards, long 0% APR periods, cash-back perks, and benefits that work particularly well for new homeowners. Ernest Homes does not have partnerships with any of these institutions; this list is based purely on research and homeowner needs.
Best for Large Home Purchases & Furniture
Wells Fargo Reflect® Card
This card offers one of the longest 0% intro APR periods on the market (up to 21 months with on-time payments). It’s a great choice for homeowners planning to buy furniture, appliances, or other big-ticket items and prefer to pay them off interest-free over time. Visit Wells Fargo’s official website for the current offer.
Best for Home Improvement Projects
Citi Custom Cash℠ Card
If you regularly visit hardware stores or take on DIY projects, this card automatically gives you 5% cash back on your highest monthly spending category (up to $500 each billing cycle). That means your home improvement purchases can earn enhanced rewards without you needing to enroll in rotating categories.
Best Everyday Cash-Back Card for Household Spending
Discover it® Cash Back
This popular card allows you to activate rotating quarterly categories like home goods, wholesale clubs, or online shopping — all perfect for new homeowners. You’ll earn 5% cash back in each activated category (up to the quarterly maximum) and 1% on all other purchases. Plus, Discover matches all the cash back you earn in your first year.
Best Card for Amazon & Household Essentials
Prime Visa Credit Card
If Amazon is your go-to for everything from cleaning supplies to home décor, this card delivers exceptional rewards: 5% back at Amazon and Whole Foods for Prime members, plus rewards at gas stations, restaurants, and drugstores. There’s no annual fee (Prime membership required).
Best Travel & Moving Expense Card
Chase Sapphire Preferred®
Whether you’re relocating or planning a celebratory trip after closing day, this card shines for travel rewards. Earn points on travel and dining worldwide, plus a large sign-up bonus that can translate into hundreds of dollars toward airfare or hotel stays. It’s also highly rated for its flexible redemption options.
Best Flexible Rewards Card
U.S. Bank Shopper Cash Rewards® Card
This card lets you choose your own spending categories — a homeowner’s dream. Pick from popular retailers or categories where you’re likely to spend the most and earn elevated cash-back rewards. It’s ideal for families who want a customizable, predictable rewards structure.
Final Thoughts
The right credit card can help ease the financial transition into homeownership, whether you’re furnishing rooms, tackling improvements, or streamlining monthly bills. Take time to compare benefits, consider how you spend, and choose the card that best complements your financial goals.
If you’re preparing to buy a new home or have questions about starting your homeowner journey, the Ernest Homes team is always here to help. Call us at (912) 756-4135 or send us a message today!
