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Best Credit Cards for Pliers

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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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.

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Best Credit Cards for Pliers

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Home ImprovementCached
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110 matches547ms

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

1

Bilt Palladium Card

Cardless

2x Bilt Rewards on Home Improvement
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on home improvement
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    Choice Privileges Select Mastercard
    2

    Choice Privileges Select Mastercard

    Wells Fargo

    5x Choice Privileges on Home Improvement
    5x × 0.8¢/pt = 4.0¢ per dollar

    Why this card

    1. 1.5x on Home Improvement — points worth 0.8¢ each ($240/yr on $6,000 spend)

    $15 in credits offset the $95 fee

    MASTERCARDCore Rate
    4.0¢
    per dollar on home improvement
    $95/yr($15 in credits)
    Annual rewards$240
    + Credits$15
    − Annual fee$95
    Net annual value$160
    3

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Home Improvement
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on home improvement
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      Bank of America® Customized Cash Rewards Secured
      4

      Bank of America® Customized Cash Rewards Secured

      Bank Of America

      3% cash back on Home Improvement

      Why this card

      1. 1.3% cash back on Home Improvement ($180/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on home improvement
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $2,500/quarterly, then base rate

      Bank of America Customized Cash Rewards Credit Card
      5

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      3% cash back on Home Improvement

      Why this card

      1. 1.3% cash back on Home Improvement ($180/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on home improvement
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $2,500/quarterly, then base rate

      Citi Strata Elite℠ Card
      6

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Home Improvement
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        2.4¢
        per dollar on home improvement
        $595/yr($762.50 in credits)
        Annual rewards$144
        + Credits$762.50
        − Annual fee$595
        Net annual value$311.50
        7

        The Platinum Card from American Express

        Amex

        1x Membership Rewards on Home Improvement
        1x × 1.5¢/pt = 1.5¢ per dollar

        Why this card

          $1,397 in credits fully offsets the $895 fee

          AMEX
          1.5¢
          per dollar on home improvement
          $895/yr($1,397 in credits)
          Annual rewards$90
          + Credits$1,397
          − Annual fee$895
          Net annual value$592
          Capital One VentureOne Rewards Credit Card
          8

          Capital One VentureOne Rewards Credit Card

          Capital One

          1.25x Venture Miles on Home Improvement
          1.25x × 1.9¢/pt = 2.3¢ per dollar

          Why this card

            No annual fee

            MASTERCARD
            2.3¢
            per dollar on home improvement
            No annual fee
            Annual rewards$138.75
            Net annual value$138.75
            Wells Fargo Active Cash Card
            9

            Wells Fargo Active Cash Card

            Wells Fargo

            2% cash back on Home Improvement
            Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

            Why this card

            1. 1.Up to 1.6¢/pt via Choice Privileges

            No annual fee

            VISA
            2.0¢
            per dollar on home improvement
            No annual fee
            Annual rewards$120
            Net annual value$120
            Susan G. Komen® Customized Cash Rewards
            10

            Susan G. Komen® Customized Cash Rewards

            Bank Of America

            3% cash back on Home Improvement

            Why this card

            1. 1.3% cash back on Home Improvement ($180/yr on $6,000 spend)

            No annual fee

            VISACore Rate
            3.0¢
            per dollar on home improvement
            No annual fee
            Annual rewards$180
            Net annual value$180

            Bonus rate on first $2,500/quarterly, then base rate

            Bank of America® Customized Cash Rewards for Students
            11

            Bank of America® Customized Cash Rewards for Students

            Bank Of America

            3% cash back on Home Improvement

            Why this card

            1. 1.3% cash back on Home Improvement ($180/yr on $6,000 spend)

            No annual fee

            VISACore Rate
            3.0¢
            per dollar on home improvement
            No annual fee
            Annual rewards$180
            Net annual value$180

            Bonus rate on first $2,500/quarterly, then base rate

            Choice Privileges Mastercard
            12

            Choice Privileges Mastercard

            Wells Fargo

            3x Choice Privileges on Home Improvement
            3x × 0.8¢/pt = 2.4¢ per dollar

            Why this card

            1. 1.3x on Home Improvement — points worth 0.8¢ each ($144/yr on $6,000 spend)

            No annual fee

            MASTERCARDCore Rate
            2.4¢
            per dollar on home improvement
            No annual fee
            Annual rewards$144
            Net annual value$144
            Chase Sapphire Preferred Card
            13

            Chase Sapphire Preferred Card

            Chase

            1x Ultimate Rewards on Home Improvement
            1x × 1.8¢/pt = 1.8¢ per dollar

            Why this card

              $134 in credits fully offsets the $95 fee

              VISA
              1.8¢
              per dollar on home improvement
              $95/yr($134 in credits)
              Annual rewards$108
              + Credits$134
              − Annual fee$95
              Net annual value$147
              Fidelity Rewards Visa Signature Card
              14

              Fidelity Rewards Visa Signature Card

              Elan Financial

              2% cash back on Home Improvement

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on home improvement
                No annual fee
                Annual rewards$120
                Net annual value$120
                Synchrony Premier Mastercard
                15

                Synchrony Premier Mastercard

                Synchrony

                2% cash back on Home Improvement

                Why this card

                  No annual fee

                  MASTERCARD
                  2.0¢
                  per dollar on home improvement
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  U.S. Bank Smartly Visa Signature Card
                  16

                  U.S. Bank Smartly Visa Signature Card

                  Usbank

                  2% cash back on Home Improvement

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on home improvement
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    17

                    TD Double Up Credit Card

                    Td Bank

                    2% cash back on Home Improvement

                    Why this card

                      No annual fee

                      VISA
                      2.0¢
                      per dollar on home improvement
                      No annual fee
                      Annual rewards$120
                      Net annual value$120
                      Bilt Blue Card
                      18

                      Bilt Blue Card

                      Cardless

                      1x Bilt Rewards on Home Improvement
                      1x × 2.2¢/pt = 2.2¢ per dollar

                      Why this card

                        No annual fee

                        MASTERCARD
                        2.2¢
                        per dollar on home improvement
                        No annual fee
                        Annual rewards$132.00
                        Net annual value$132.00
                        19

                        One Key+ Card

                        Wells Fargo

                        2% cash back on Home Improvement
                        MASTERCARD
                        2.0¢
                        per dollar on home improvement
                        $99/yr
                        Annual rewards$120
                        − Annual fee$99
                        Net annual value$21
                        Bilt Obsidian Card
                        20

                        Bilt Obsidian Card

                        Cardless

                        1x Bilt Rewards on Home Improvement
                        1x × 2.2¢/pt = 2.2¢ per dollar

                        Why this card

                          $20 in credits offset the $95 fee

                          MASTERCARD
                          2.2¢
                          per dollar on home improvement
                          $95/yr($20 in credits)
                          Annual rewards$132.00
                          + Credits$20
                          − Annual fee$95
                          Net annual value$57.00
                          Rakuten American Express Card
                          21

                          Rakuten American Express Card

                          First Electronic Bank

                          1% cash back on Home Improvement

                          Convertible Cash Back — 1.0–2.0¢/$

                          This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                          Why this card

                          1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                          No annual fee

                          AMEXConvertible
                          1.0–2.0¢
                          per dollar on home improvement
                          depending on redemption
                          No annual fee
                          Annual rewards$94
                          Net annual value$94
                          Chase Sapphire Reserve
                          22

                          Chase Sapphire Reserve

                          Chase

                          1x Ultimate Rewards on Home Improvement
                          1x × 1.8¢/pt = 1.8¢ per dollar

                          Why this card

                            $960 in credits fully offsets the $795 fee

                            VISA
                            1.8¢
                            per dollar on home improvement
                            $795/yr($960 in credits)
                            Annual rewards$108
                            + Credits$960
                            − Annual fee$795
                            Net annual value$273
                            BJ's One+™ Mastercard®
                            23

                            BJ's One+™ Mastercard®

                            Capital One

                            2% cash back on Home Improvement

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on home improvement
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              Citi Double Cash Card
                              24

                              Citi Double Cash Card

                              Citi

                              2% cash back on Home Improvement

                              Why this card

                                No annual fee

                                MASTERCARD
                                2.0¢
                                per dollar on home improvement
                                No annual fee
                                Annual rewards$120
                                Net annual value$120
                                25

                                SoFi Credit Card

                                Sofi

                                2% cash back on Home Improvement

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  2.0¢
                                  per dollar on home improvement
                                  No annual fee
                                  Annual rewards$120
                                  Net annual value$120
                                  Discover it® Miles
                                  26

                                  Discover it® Miles

                                  Discover

                                  1.5x Cashback on Home Improvement
                                  1.5x × 1.0¢/pt = 1.5¢ per dollar

                                  Why this card

                                    No annual fee

                                    DISCOVER
                                    1.5¢
                                    per dollar on home improvement
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    Navy Federal Visa cashRewards Card
                                    27

                                    Navy Federal Visa cashRewards Card

                                    Navy Federal

                                    1.5% cash back on Home Improvement

                                    Why this card

                                      No annual fee

                                      VISA
                                      1.5¢
                                      per dollar on home improvement
                                      No annual fee
                                      Annual rewards$90
                                      Net annual value$90
                                      Capital One QuicksilverOne Cash Rewards Credit Card
                                      28

                                      Capital One QuicksilverOne Cash Rewards Credit Card

                                      Capital One

                                      1.5% cash back on Home Improvement
                                      MASTERCARD
                                      1.5¢
                                      per dollar on home improvement
                                      $39/yr
                                      Annual rewards$90
                                      − Annual fee$39
                                      Net annual value$51
                                      Citi Strata Premier Card
                                      29

                                      Citi Strata Premier Card

                                      Citi

                                      1x ThankYou Points on Home Improvement
                                      1x × 1.6¢/pt = 1.6¢ per dollar

                                      Why this card

                                        $50 in credits offset the $95 fee

                                        MASTERCARD
                                        1.6¢
                                        per dollar on home improvement
                                        $95/yr($50 in credits)
                                        Annual rewards$96
                                        + Credits$50
                                        − Annual fee$95
                                        Net annual value$51
                                        Chase Freedom Unlimited
                                        30

                                        Chase Freedom Unlimited

                                        Chase

                                        1.5% cash back on Home Improvement

                                        Why this card

                                          No annual fee

                                          VISA
                                          1.5¢
                                          per dollar on home improvement
                                          No annual fee($30 in credits)
                                          Annual rewards$90
                                          + Credits$30
                                          Net annual value$120