The Ultimate Guide to Credit Cards
Monday, November 28, 2022

21 Best Credit Cards for New Homeowners in 2022

Best Credit Cards For New Homeowners

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

Although the purchase price of your new home was likely in the six figures, handing over that check at closing is often only the start of the spending. You still need to pay for the move, set up utilities, fix that leaky faucet, buy furniture — and the list goes on.

In other words, while finding savings where you can is always a good idea, it can be downright vital for many new homeowners whose budgets are already strapped. That’s where using the right credit cards can make a big difference, helping you save where it counts. We’ve compiled a list of the best credit cards for new homeowners below. You can also quickly jump to the No. 1 pick in each category using the links in this section.

Of course, the options are hardly limited to our top picks. Between interest-rate deals, signup bonuses, and purchase rewards, you can find myriad ways to save as you turn your new house into a home.

Overall | 0% APR | Signup Bonus | Home Improvement | Furniture | Utilities | Housewares

Best Overall Cards for New Homeowners

The best overall credit card for a new homeowner isn’t actually just one card. Each cardholder has specific needs and spending habits, so the best card for one new homeowner may be less worthwhile to another.

With that in mind, each of our top overall cards offers great value for a different type of new homeowner. At the same time, they also all provide long-term value that will last well beyond the first few months in your new home.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 25.99% Variable
$95
Good/Excellent

With the top overall card, you can earn a very valuable signup bonus with just a few major purchases for your new home, as well as earning unlimited Ultimate Rewards® points while you’re at it. Plus, you’ll receive double points on dining purchases, including take-out and delivery, which can come in handy for easy meals during the move.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (Variable)
$0
Excellent, Good

This card not only offers unlimited 1.5% cash back rewards, regardless of purchase category, but it also comes with a long introductory 0% APR offer that can give you the breathing room to pay for things like movers and appliances at your own pace.

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 27.74% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

The Citi Premier® Card can help you save on moving costs with bonus points for certain travel purchases, including gas and airfare. You’ll also earn bonus rewards on other common spending categories like dining at restaurants, which can be a huge help when your kitchen is in boxes and no one has the energy to whip up dinner after the big move.

Best 0% APR Cards for Large New Purchases

While few things can compare to the price tag of your new home, much of what goes into that home will have a hefty price tag of its own. Simply buying a new refrigerator can run four figures, and a full living room set can easily set you back thousands of dollars.

Given the high cost of outfitting your new home, adding interest charges onto the pile can end up in disaster. Credit cards with introductory 0% APR offers can help you avoid the danger of skyrocketing balances by giving you 12 months or more of interest-free purchasing.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.99% - 26.74% Variable
$0
Good/Excellent

Although its introductory APR offer isn’t the longest on the market, this card has no annual fee and offers unlimited cash back rewards on every purchase, with no spending caps or rotating categories to activate and track.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good

This card pairs interest-free purchases with the ability to earn bonus cash back on eligible category purchases when activated. Categories change each quarter, with popular options like gas, restaurants, and Amazon.com frequently offered.

6. Wells Fargo Platinum card

This card is currently not available.

Best Overall Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Wells Fargo Platinum card is a solid options for saving on interest thanks to its 18-month 0% APR introductory offer good on both new purchases and balance transfers (balance transfers must be made within 120 days of account opening; transfer fee applies).

In addition to a competitive introductory offer, this card comes with a number of Wells Fargo and Visa benefits, including up to $600 in cellphone protection when you pay your bill with your card, as well as free FICO credit scores and $0 liability protection.

(The information related to Wells Fargo Platinum card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

Best Cards for Earning Big Signup Bonuses

Although some people prefer to pay for their large purchases a little at a time, if you have the means to pay off your major expenses as you make them, then an intro-APR card isn’t that useful. A nice big signup bonus, on the other hand, can be hugely valuable.

Many of the best signup bonuses come from top-tier travel rewards cards, but some cash back options are also available. Make sure you note the minimum spending requirement and time limit to ensure you meet the qualifications, and pay off your purchases right away to avoid being charged interest fees.

BEST OVERALL RATING

★★★★★
4.7

OVERALL RATING

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 26.99% Variable
$550
Good/Excellent

Although this card has a high spending requirement, a new set of appliances or a room of furniture could potentially meet the minimum (and then some) with a single purchase. To get the most out of your bonus, redeem for travel through the Chase portal using the card’s redemption bonus, or transfer to a hotel or airline partner for even more value.

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 25.99% Variable
$95
Good/Excellent

While the signup bonus for this card is larger than its big sibling above, you won’t get as much value point to point through the Chase portal thanks to a lower redemption bonus. That said, you can transfer your points at the same rate with either card, unlocking huge value potential.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good

Discover has a relatively unique signup bonus. Rather than offering a quick flat-rate sum, Discover offers cardholders a one-time bonus at the end of the first year that, if rewards are taken advantage of throughout the year, can really add up.

Best Cards for (the Inevitable) Home Improvement Projects

Unless you’re buying a brand new home — and sometimes even then — the odds are high that you’ll need to make a few repairs or improvements. Depending on the scope of the job, this could mean thousands of dollars worth of construction costs.

Even if you go the DIY route, you’ll still likely spend a small fortune at the local hardware store. Either way, a credit card that can help you both earn rewards on your purchases and save on interest fees is a clear winner.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.99% - 26.74% Variable
$0
Good/Excellent

Although this card doesn’t offer bonus rewards for hardware stores, it does offer more flexibility; you’ll earn cash back rewards with this card no matter where you purchase your home improvement supplies. Plus, new cardholders can enjoy the introductory offer of more than a year with 0% APR and pay no annual fee.

11. Huntington Voice Credit Card®

The Huntington Voice Credit Card® gives the power to choose your own bonus rewards category from 10 different options. Simply choose home improvement stores as your quarterly bonus category to earn 3X points per dollar at your favorite hardware store.

Voice Credit Card from Huntington

  • Select your own rewards by choosing your 3X points bonus category each quarter
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee

This card isn’t a one-trick pony, either. You can change your bonus category each quarter to suit your changing needs. For example, when you’re done with the repairs and ready to upgrade your home with a new entertainment system, simply change your bonus category to electronics stores and start earning.

12. BBVA Compass ClearPoints Credit Card

The BBVA Compass ClearPoints Credit Card gives cardholders the ability to choose their own 3X and 2X rewards categories (one each). While available categories can change from year to year, hardware stores are a frequent option.

BBVA Compass ClearPoints Credit Card

  • Select your own rewards by choosing your 3X and 2X points bonus rewards categories each quarter
  • Receive 0% Intro APR for the first 13 months
  • Pay no annual fee

The main drawback to the card is its limited availability; you’ll need to head into your local BBVA to apply, and the card is only available in Alabama, Arizona, California, Colorado, Florida, Georgia, Massachusetts, Mississippi, New Mexico, Oklahoma, Tennessee, and Texas.

Best Cards for Saving on Roomfuls of Furniture

Furniture is expensive. Even a cheap sofa can run you a few hundred bucks, and filling an entire house with new furniture can be a four- to five-figure investment. If you’ll need time to pay off your new bedroom set, then a credit card with an intro-APR offer is your best bet.

However, if you have the money at hand and want to make the most of your purchase, then a rewards credit card is the way to go. While few credit cards offer bonus rewards specifically for furniture store purchases, you can find a number that will reward you for department store purchases.

13. U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card is one of the only cards that offers bonus rewards specifically for furniture purchases, allowing users to choose furniture stores as one of their 5% cash back bonus categories.

U.S. Bank Cash+ Visa Signature Card

  • Earn 5% cash back in two categories of your choosing, plus 2% cash back in an additional category you select
  • Earn 1% cash back on all other purchases
  • Pay no annual fee

To really make the most of your rewards with this card as a new homeowner, you can choose electronics stores or home utilities as your second 5% cash back category and gas stations or restaurants as your 2% cash back category.

14. Amazon Rewards Visa Signature® Card

The Amazon Rewards Visa Signature Card is available to consumers with and without a Prime membership, but Prime members earn much better rewards. Specifically, non-Prime members earn 3% back on all Amazon.com purchases, while Prime members earn 5% back. So, not only can you earn rewards on your furniture, you can have it delivered to your front door.

Amazon Rewards Visa Signature Card

  • Earn 3% back on Amazon.com and Whole Foods purchases; Prime Members earn 5% back
  • Earn 2% cash back at restaurants, gas stations, and drugstores
  • Pay no annual card fee, Prime fee may apply

The points you earn with the Amazon Rewards card can be redeemed directly at checkout to pay for most Amazon.com purchases, or you can redeem them for cash back, gift cards, or travel.

15. Voice Credit Card® from Huntington

The Voice Credit Card® from Huntington is one of the most flexible cards on the market, allowing cardholders to choose their own categories. Simply select department stores as your bonus category for the quarter to earn 3X points per dollar on furniture and appliance purchases.

Voice Credit Card from Huntington

  • Select your own rewards by choosing your 3X points bonus category each quarter
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee

When you’ve filled every room and don’t need department store rewards anymore, be sure to change up your rewards category to maintain the card’s value. Earn 3X rewards on categories like gas, groceries, or electronics for year-round savings.

Best Cards for Paying Your New Utility Bills

One thing that can come as a big shock to new homeowners is the cost of utilities for their new house, particularly those homeowners who are more used to apartment living or who upgrade their home size. The fact is, doubling your square footage can more than double your utility bills.

While some utility companies are still in the stone age when it comes to accepting credit cards, most major providers will accept card payments — for a fee. So, the key is to find a card that earns at least as much in cash back or points as the fee (but preferably much more).

Chase Freedom Flex℠ Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.99% - 26.74% Variable
$0
Good/Excellent

While this card only typically offers bonus rewards on utilities one quarter a year, you’ll earn extra cash back on your cable, internet, and cellphone bills when you activate your category bonus for that quarter. Other quarter categories can also be quite lucrative, giving this card year-round value for many consumers.

17. Voice Credit Card® from Huntington

The Voice Credit Card® from Huntington stands out as a card with many categories you don’t see often, and utilities are yet another example. Simply choose utilities and office supplies as your bonus category to earn 3X points per dollar on your bills.

Voice Credit Card from Huntington

  • Select your own rewards by choosing your 3X points bonus category each quarter
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee

Your bonus category is selected each quarter and you can choose the same category or pick a new category if you have other big expenses coming up. Bonus rewards can be earned on up to $2,000 in qualifying category purchases each quarter.

18. U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card allows you to select two 5% cash back categories, giving you the option to earn 5% cash back on both home utilities and your cellphone bill (or another category entirely).

U.S. Bank Cash+ Visa Signature Card

  • Earn 5% cash back in two categories of your choosing, plus 2% cash back in an additional category you select
  • Earn 1% cash back on all other purchases
  • Pay no annual fee

Additional 5% cash back category options include a number of popular everyday expenses, like gym/fitness centers and ground transportation, as well as entertainment-based purchases like electronics stores and movie theaters.

Best Cards for Pots, Pillows & Other Important Housewares

Once you’ve finished the repairs, purchased furniture, and moved your stuff in, you may think the purchasing is done — think again. You can’t forget all the little things that make a house truly livable, things like kitchen utensils, pillowcases, and light bulbs, just to name a few.

Given that many folks spread the housewares buying around a variety of retailers, it can be difficult to find one card that will reward you for everything. Rewards cards with rotating categories or store cards with big rewards may be the best way to maximize your housewares rewards.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good

You can earn great rewards on housewares purchases from a number of locations with this card, as it not only typically offers one quarter of bonus cash back at Amazon.com, but you’ll also generally see at least one quarter of bonus cash back at wholesale/discount clubs, as well. Quarterly spending limits apply, and categories must be activated.

Chase Freedom Flex℠ Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.99% - 26.74% Variable
$0
Good/Excellent

Like its Discover counterpart, this card’s rotating cash back categories change every quarter, so you may need to time your housewares purchases wisely. However, each quarter offers valuable bonuses in popular categories that include grocery stores, drug stores, and Target, to help you stock up every room in the house.

21. Amazon Rewards Visa Signature® Card

The Amazon Rewards Visa Signature® Card can be surprisingly valuable for new homeowners who happen to be Prime members. The 5% cash back on Amazon.com purchases can be handy for everything from cleaning supplies to housewares, most with that ever-popular Prime shipping.

Amazon Rewards Visa Signature Card

  • Earn 3% back on Amazon.com and Whole Foods purchases; Prime Members earn 5% back
  • Earn 2% cash back at restaurants, gas stations, and drugstores
  • Pay no annual card fee, Prime fee may apply

You can even save while you stock up your new fridge with 5% cash back on Whole Foods purchases when you use your card. And don’t forget to scan your Prime member discount code for even more savings.

Make the Most of Your New Investment

Buying a new home is a big investment — and we’re not just talking about the cost of real estate. Everything that goes into your new home is also part of the investment, from the time and money spent on repairs and upgrades to the hundreds of dollars in furniture gracing each room.

To make the most of that investment, it’s important to use the right payment method for every purchase. With smart credit card use, for example, you can save at every step, earning cash back and points that you can invest in additional improvements — or a well-earned vacation.

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