Best card for Home Depot and Lowe's

Updated September 17, 2026 · from RightCard's verified card and merchant data

The Home Depot codes as a discount or department store. That is a general retail code, not a supermarket or restaurant code, so grocery and dining bonuses usually do not post. No everyday category bonus matches it, so your best flat-rate card wins.

Why the code decides, not the cart

Every card purchase carries a merchant category code (MCC). The store sets it once, for the whole store. Your bank pays a category bonus by that code, not by what is in your bag. That is why a cart full of groceries can still earn the base rate.

What actually earns here

Your best flat-rate card. A 2% everywhere card beats a 6% grocery card that pays 1% at this store. Verified flat-rate cards in our data:

Card	Everything	≈ value / $1
Robinhood Gold Card (needs a Robinhood Gold membership)	3%	3¢
Arrival Plus World Elite Mastercard	2x miles	2¢
BJ's One+ Mastercard	2%	2¢
Blue Business Cash Card from American Express	2%	2¢
Bread Cashback American Express Credit Card	2%	2¢
Capital One Spark Cash Plus	2%	2¢

Some popular 2% cards are not in this table yet because they have not cleared our two-source verification. Missing means unverified, not worse.

Also check whether one of your cards is carrying a targeted bank offer for this store. Those are free money and they beat any category math.

How RightCard handles this: search "The Home Depot" in the app and it shows your best guaranteed card there, plus any bank offer you have for it. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Which credit card is best for Home Depot and Lowe's?

The Home Depot codes as a discount or department store. That is a general retail code, not a supermarket or restaurant code, so grocery and dining bonuses usually do not post. No everyday category bonus matches it, so your best flat-rate card wins.

Is the Home Depot store card a rewards card?

No. The Home Depot Consumer Credit Card is a financing card. It earns no rewards, so a 2% card beats it for everyday purchases.

Do business cards earn more at Home Depot?

Some business cards carry a home improvement or office category. Our verified data does not list one, so we do not claim it.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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