Homeowner-Specific Credit Card Rewards to Consider

Owning a home comes with its fair share of responsibilities—and expenses. From monthly bills to unexpected repairs and never-ending renovations, the costs add up quickly. But what if your everyday home-related purchases could actually work for you? That’s where homeowner-specific credit card rewards come into play.

Whether you're a new homeowner or have been at it for years, choosing the right credit card can help you earn perks, cashback, or points on the things you’re already buying. Here are a few types of rewards and cards worth considering:

1. Home Improvement & Hardware Store Rewards

If you’re constantly running to places like Home Depot or Lowe’s, look into store-branded cards or general cards that offer bonus rewards in these categories.

Examples to consider:

• Lowe’s Advantage Card: 5% off eligible purchases every day or 6 months special financing.

• Chase Freedom Flex®: Sometimes includes rotating 5% cashback on home improvement stores (check quarterly calendar).

2. Utility and Home Services Bonuses

Some cards now offer elevated rewards on utility payments—electric, gas, water, internet, and even home security services.

Pro Tip: Check whether your card considers utilities as a bonus category. For example:

• Blue Cash Preferred® Card from American Express: 6% cashback on U.S. streaming services and 3% on transit and gas—great for home entertainment setups.

• Citi Custom Cash℠ Card: Automatically earns 5% cashback on your top eligible spending category each billing cycle, which could be utilities.

3. Grocery and Home Supply Perks

Homeowners spend a lot on groceries and household essentials. Use a card that rewards you for those regular Costco, Target, or supermarket runs.

Solid picks:

• American Express® Gold Card: 4X points at supermarkets (up to $25,000 annually).

• Costco Anywhere Visa® Card by Citi: 2% cashback on all Costco purchases (great if you're buying in bulk for home needs).

4. Travel & Emergency Funds (Yes, It’s Related!)

As a homeowner, travel may not be your first priority—but having a backup travel rewards card can come in handy for emergency stays, furniture deliveries from out of town, or those well-deserved getaways after your latest DIY disaster.

Consider:

• Chase Sapphire Preferred®: Flexible points, travel protection, and good redemption value for emergencies or intentional escapes.

5. Cashback Cards for Flexibility

If you want straightforward rewards to help offset home expenses, a flat-rate cashback card may be your best bet. Think of it as an all-purpose card to cover whatever your home throws at you.

Top choice:

• Citi® Double Cash Card: Earn 2% on everything—1% when you buy, 1% when you pay.

The best homeowner credit card for you depends on how you spend. Whether you're knee-deep in renovations, saving on streaming, or simply trying to stay ahead of your bills, the right card can turn routine spending into real rewards. Just remember to pay off your balance in full each month to truly benefit.