Kitchen Remodel

Best Credit Cards for Kitchen Remodelling Rewards in 2025

Best Credit Cards for Kitchen Remodelling Rewards

Kitchen remodelling is a big investment—but with the right credit card, you can earn rewards, cash back, or 0% APR benefits while upgrading your cooking space. Whether you’re replacing cabinets, buying new appliances, or hiring contractors, using a well-matched credit card can stretch your dollar further.

This SEO-optimised guide breaks down the best credit cards for kitchen remodelling rewards, highlighting categories like cashback, 0% APR, travel points, and welcome bonuses.

1. Best Overall: Chase Sapphire Preferred® Card

Why It’s Great:

  • Bonus Categories: Earn 2x points on dining and select home improvement stores.
  • Welcome Bonus: Typically offers a 60,000-point bonus after spending $4,000 in the first 3 months.
  • Redemption Value: Points are worth 25% more when used for travel through Chase Ultimate Rewards.

Ideal For:

Homeowners who want to earn travel rewards while remodelling may already shop at stores that fall under bonus categories.

2. Best for Cash Back: Citi Custom Cash℠ Card

Highlights:

  • 5% Cash Back on your top spending category each billing cycle (up to $500), including home improvement stores.
  • No Annual Fee and automatic category tracking.
  • $200 Sign-Up Bonus after spending $1,500 in the first 6 months.

Ideal For:

DIY remodelers who spend a lot at places like Home Depot, Lowe’s, or Menards.

3. Best 0% APR Option: Wells Fargo Reflect® Card

Highlights:

  • 0% Intro APR for up to 21 months on purchases.
  • No Rewards Program, but great for spreading out large expenses.

Ideal For:

Those who need time to pay off large kitchen remodelling purchases without interest.

4. Best for Home Store Shoppers: Lowe’s Advantage Card

Benefits:

  • 5% off eligible Lowe’s purchases instantly.
  • 6 Months Special Financing on purchases over $299.
  • No traditional rewards, but direct savings.

Ideal For:

Anyone making the bulk of their kitchen purchases at Lowe’s?

5. Best Premium Travel Rewards: The Platinum Card® from American Express

Highlights:

  • Massive Welcome Bonus (often 80,000+ points).
  • Access to High-End Benefits like extended warranties and purchase protection.
  • Membership Rewards® points can be redeemed for travel, gift cards, or purchases.

Ideal For:

High spenders who remodel and travel frequently, and want luxury perks and rewards.

How to Choose the Right Credit Card for Your Kitchen Remodel

Consider:

  • Where You Shop: Does your credit card reward purchases at Lowe’s, Home Depot, or general contractors?
  • Payment Timeline: Do you need a 0% APR period to pay over time?
  • Rewards Preference: Would you prefer travel points, cashback, or store discounts?
  • Spending Limit: Can you reach the minimum spend requirement for sign-up bonuses?

FAQs: Credit Cards for Kitchen Remodelling

1. Can I use a credit card for contractor payments?

Yes, but check if your contractor accepts cards—some may charge a service fee.

2. Is it better to get cash back or travel rewards for remodelling?

If you travel often, points may be more valuable. But cashback offers instant savings for future remodel expenses.

3. Are store cards like Home Depot or Lowe’s better than regular credit cards?

They offer instant discounts and financing, but may lack versatility and broader rewards.

4. How do I qualify for the best cards?

Excellent to good credit (typically 670+) is often required. A stable income also helps.

5. Can I finance kitchen remodelling with 0% APR cards?

Yes, 0% APR cards allow you to pay off purchases interest-free over 12–21 months.

Final Thoughts

Remodelling your kitchen doesn’t just add style and function—it can be financially smart if you pair it with the right credit card. Whether you’re chasing rewards, cashback, or interest-free payments, choosing the best credit card can help maximise every dollar spent.

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