The easiest home improvement credit card to get is either the Lowe's Store Card or the Home Depot Credit Card, because you can get approved for either of these cards with fair credit (credit score of at least 640).
The Lowe's Store Card offers a choice of 5% back on all purchases or special financing for 6 months of deferred interest on purchases of $299 or more. But watch out for the deferred interest - if you make a late payment or don't pay off your balance before 6 months is up, you'll owe interest on the whole initial balance, starting from the date of purchase. This card doesn't have an annual fee.
The Home Depot Credit Card, on the other hand, doesn't offer discounts or rewards of any kind. But it does have a similar deferred interest financing offer for purchases of $299 or more. The catch is the same as the Lowe's Store Card: if you don't pay off your balance within the 6 month financing period, you'll be charged interest as if the promotional APR period never existed. The Home Depot Credit Card's annual fee is $0.
This answer was last updated on 01/12/24 and it was first published on 02/14/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
