CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Ranked by effective value per dollar at home & garden-related merchants.
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. U.S. Bank Cash+® Visa Signature® Card ranks #1 here at 3.9¢ per dollar, with no annual fee. The list below orders cards by net value to you, factoring in welcome offers, redemption value, and ongoing rewards.
Usbank
Ranked by effective value per dollar at home & garden-related merchants.
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. U.S. Bank Cash+® Visa Signature® Card ranks #1 here at 3.9¢ per dollar, with no annual fee. The list below orders cards by net value to you, factoring in welcome offers, redemption value, and ongoing rewards.
Usbank
Ranked by effective value per dollar at home & garden-related merchants.
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. U.S. Bank Cash+® Visa Signature® Card ranks #1 here at 3.9¢ per dollar, with no annual fee. The list below orders cards by net value to you, factoring in welcome offers, redemption value, and ongoing rewards.
Usbank
Capital One
Citi
Bank Of America
Amex
All 10 cards ranked by effective value per dollar.
| Card | Home Improvement Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 3.9¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 3.5¢/$ | $0 | $30 | mastercard |
| Bank of America® Customized Cash Rewards for StudentsBank Of America | 3x points | 2.7¢/$ | $0 | $8 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.8¢/$ | $895 | $1,207.36 | amex |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.7¢/$ | $0 | $8 | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Susan G. Komen® Customized Cash RewardsBank Of America | 3x points | 2.7¢/$ | $0 | $8 | visa |
| Bank of America® Customized Cash Rewards SecuredBank Of America | 3x points | 2.7¢/$ | $0 | — | visa |
Samsung us
Home Advisor
Linksys
August Home
Renovation Projects And Home Construction
Mental Health America
Gigaom
JB Hi-Fi
Blurams Home Security
America's Test Kitchen
Brylane Home
Schwan's Home DeliveryWant to filter by spend amount, network, or fee preference?
Open in full search with filters →Capital One
Citi
Bank Of America
Amex
All 10 cards ranked by effective value per dollar.
| Card | Home Improvement Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 3.9¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 3.5¢/$ | $0 | $30 | mastercard |
| Bank of America® Customized Cash Rewards for StudentsBank Of America | 3x points | 2.7¢/$ | $0 | $8 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.8¢/$ | $895 | $1,207.36 | amex |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.7¢/$ | $0 | $8 | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Susan G. Komen® Customized Cash RewardsBank Of America | 3x points | 2.7¢/$ | $0 | $8 | visa |
| Bank of America® Customized Cash Rewards SecuredBank Of America | 3x points | 2.7¢/$ | $0 | — | visa |
Samsung usHome AdvisorLinksysAugust HomeRenovation Projects And Home ConstructionMental Health AmericaGigaomJB Hi-FiBlurams Home SecurityAmerica's Test KitchenBrylane HomeSchwan's Home DeliveryWant to filter by spend amount, network, or fee preference?
Open in full search with filters →Capital One
Citi
Bank Of America
Amex
All 10 cards ranked by effective value per dollar.
| Card | Home Improvement Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 3.9¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 3.5¢/$ | $0 | $30 | mastercard |
| Bank of America® Customized Cash Rewards for StudentsBank Of America | 3x points | 2.7¢/$ | $0 | $8 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.8¢/$ | $895 | $1,207.36 | amex |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.7¢/$ | $0 | $8 | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Susan G. Komen® Customized Cash RewardsBank Of America | 3x points | 2.7¢/$ | $0 | $8 | visa |
| Bank of America® Customized Cash Rewards SecuredBank Of America | 3x points | 2.7¢/$ | $0 | — | visa |
Samsung usHome AdvisorLinksysAugust HomeRenovation Projects And Home ConstructionMental Health AmericaGigaomJB Hi-FiBlurams Home SecurityAmerica's Test KitchenBrylane HomeSchwan's Home DeliveryWant to filter by spend amount, network, or fee preference?
Open in full search with filters →