Best Discover Cards for Home Improvement in 2026
Discover 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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Home Improvement. Order can differ from that column because ranking adds the adjustments above.
Discover it® Miles
Discover
- +1.5x on everything — points worth 1.0¢ each
- +No annual fee
NHL® Discover it® Credit Card
Discover
- +1% cash back on everything
- +No annual fee
Discover it Balance Transfer
Discover
- +1% cash back on everything
- +No annual fee
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Discover it® MilesDiscover | 1.5x Cash Back Rewards All Other | 1.5¢/$ | $0 | discover |
| NHL® Discover it® Credit CardDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Balance TransferDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Cash BackDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® ChromeDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® Secured Credit CardDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Student Cash BackDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® Student ChromeDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
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