What credit card has the highest cash back on home & garden?

Bilt Palladium Card ranks #1 in our scoring for home & garden at 4.0¢ per dollar — $495 annual fee. The ranking factors in earn rate, welcome offer value, and redemption flexibility, net of the fee.

Are there no-annual-fee cards good for home & garden?

Yes — Fidelity Rewards Visa Signature Card earns 2.0¢ per dollar on home & garden with no annual fee. It's the highest-ranking no-fee card in our scoring for this category.

How are these cards ranked?

Effective value per dollar — earn rate × points value (cents per point), plus amortized welcome offer value and credit offsets, net of the annual fee. Numbers reflect typical redemptions, not best-case outliers.

What's the most popular sub-category under Home & Garden?

Address Signs — 0 merchants. Drill in for category-specific recommendations.

Home & Garden merchants: where each card earns

Browse 458 merchants and sub-categories, then see which cards earn the most at each brand.

458 merchantsBy CardRewards.ai EditorialData as of November 13, 2026

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

Home & Garden groups 458 merchants — including the brands most readers ask about. Browse sub-categories and brands first; Bilt Palladium Card is the current top pick at 4.0¢ per dollar, with a $495 annual fee.

Top 5 cards for Home & Garden

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Top brands across Home & Garden

Frequently asked

What credit card has the highest cash back on home & garden?: Bilt Palladium Card ranks #1 in our scoring for home & garden at 4.0¢ per dollar — $495 annual fee. The ranking factors in earn rate, welcome offer value, and redemption flexibility, net of the fee.
Are there no-annual-fee cards good for home & garden?: Yes — Fidelity Rewards Visa Signature Card earns 2.0¢ per dollar on home & garden with no annual fee. It's the highest-ranking no-fee card in our scoring for this category.
How are these cards ranked?: Effective value per dollar — earn rate × points value (cents per point), plus amortized welcome offer value and credit offsets, net of the annual fee. Numbers reflect typical redemptions, not best-case outliers.
What's the most popular sub-category under Home & Garden?: Address Signs — 0 merchants. Drill in for category-specific recommendations.

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Top 5 cards for Home & Garden

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Top brands across Home & Garden

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Frequently asked