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Best Credit Card for Home Depot in 2026

We ranked every major cash back credit card by what you actually earn at Home Depot. The top pick earns 5% — here's the full breakdown.

8 cards earning 2%+ at Home Depot · sorted by highest cash back · updated Q2 2026

1
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #1: Top pick: earns 5% cash back at Home Depot — the highest rate available. No annual fee required.

2
Discover it® Cash Back
Discover it® Cash Back
Discover
5% at home improvement stores — Q2 2026 ACTIVE CATEGORY (April 1–June 30, 2026; activate at Discover.com)
✅ Active this quarter · activate to earn
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #2: This rotating category is active right now — swipe this card at Home Depot to earn 5% cash back this quarter (activation required at issuer site).

3
U.S. Bank Cash+® Visa Signature®
U.S. Bank Cash+® Visa Signature®
U.S. Bank
5% on 2 chosen categories per quarter (up to $2,000/qtr) — home utilities, electronics, or more
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #3: Top pick: earns 5% cash back at Home Depot — the highest rate available. No annual fee required.

4
Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
Bank of America
3% on chosen category (up to $2,500/qtr combined)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #4: Solid 3% cash back at Home Depot with no activation needed. No annual fee — easy to hold long-term.

5
Robinhood Gold Card
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #5: Solid 3% cash back at Home Depot with no activation needed. No annual fee — easy to hold long-term.

6
Alliant Cashback Visa® Signature Card
Alliant Cashback Visa® Signature Card
Alliant Credit Union
2.5% unlimited cash back on all purchases (Tier 1 member; requires $1,000 avg daily balance in Alliant checking)
Annual fee: No annual fee
2.5%
cash back
Apply Now — Earn 2.5% at This Store →

Why #6: Earns 2.5% on all purchases including Home Depot. A reliable flat-rate card with no hoops to jump through.

7
Citi Double Cash® Card
Citi Double Cash® Card
Citi
2% on everything (1% when you buy + 1% when you pay)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #7: Earns 2% on all purchases including Home Depot. A reliable flat-rate card with no hoops to jump through.

8
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
Wells Fargo
2% cash rewards on all purchases, no limits
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #8: Earns 2% on all purchases including Home Depot. A reliable flat-rate card with no hoops to jump through.

Frequently Asked Questions

What is the best credit card to use at Home Depot?

The best card at Home Depot right now is the Citi Custom Cash® Card, earning 5% cash back. 5% auto-detects your top spend category (up to $500/mo)

Does any credit card offer more than 2% at Home Depot?

Yes — the Citi Custom Cash® Card at 5%, the Discover it® Cash Back at 5%, the U.S. Bank Cash+® Visa Signature® at 5% all earn above 2% at Home Depot.

What are rotating category credit cards?

Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When Home Depot's category is active, these cards can be the top earners.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.