Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
American Express cards ranked by earn rate on home improvement spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Home Improvement. Order can differ from that column because ranking adds the adjustments above.
Amex
First Electronic Bank
Side-by-side view of the ranked picks.
| Card | Home Improvement Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,397 | amex |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.6¢/$ | $0 | — | amex |
| Hilton Honors American Express CardAmex | 3x Hilton Honors | 1.2¢/$ | $0 | — | amex |
| American Express Gold CardAmex | 1x Membership Rewards | 1.5¢/$ | $325 | $212 | amex |
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Amex
| Delta SkyMiles Gold American Express CardAmex | 1x SkyMiles | 1.0¢/$ | $150 | $170 | amex |
| Hilton Honors American Express Aspire CardAmex | 3x Hilton Honors | 1.2¢/$ | $550 | $504.50 | amex |
| Navy Federal More Rewards American Express®Navy Federal | 1x points | 1.0¢/$ | $0 | — | amex |
| TAP Miles&Go American Express®Cardless | 1x TAP Miles&Go | 1.0¢/$ | $79 | — | amex |
| Delta SkyMiles Blue American Express CardAmex | 1x SkyMiles | 1.0¢/$ | $0 | — | amex |
| USAA Cashback Rewards Plus American Express CardUsaa | 1% cash back | 1.0¢/$ | $0 | — | amex |
