Responsibly find a home improvement credit card

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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.

Helpful content

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.

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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.

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