Responsibly find a home improvement credit card
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Get funded quickly through a rapid application process
Find the right rewards for your financial needs
Q: When should I consider home improvement credit cards?
You can quickly pay off the card
A credit card may be the right choice if you’re sure you can pay off the balance or your debt could grow quickly out of control
You need cash – but only in the short-term
Many homeowners don’t have the cash on-hand to pay for their home improvements. If you’re confident you’ll get cash soon, then a credit card may be perfect for racking up rewards.
You don’t have a lot of other debt
The fewer other monthly payments you owe, the more likely you are to pay off your card before your rates rise.
Your project can’t wait
Sometimes you just don’t have enough time to save cash for your project. 0% APR credit cards can get you the flexible funding you need quickly.
How do I find a credit card through Hearth?
Decide if a home improvement credit card is right for you
Credit cards have many benefits, but also carry big risks. If you get a 0% card, make sure you can pay off the card before your 0% APR period expires.
Explore credit card options
Give us a rough guess of your credit score, and we’ll show you several options.
Apply for a card you like
Click to continue your credit card application with the right provider. Most credit card companies have instant approval processes.
How do you responsibly use a credit card for home improvement?
Personal finance writer and first-time homeowner Brian Martucci shares how he responsibly uses 0% APR cards to improve his home without falling into too much debt.Read More
Home improvement financing guide
Written with input from personal finance experts, our definitive guide will teach you everything you need to know about picking the right financing option for your home renovation.Read More
Payment options calculator
Find the right payment option for your project by comparing monthly payments on a credit card, personal loan, home equity loan, and line of credit.Calculate payment options