How does SwipeCaddy pick the best card at The Home Depot?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply The Home Depot's card-acceptance rules, so the "best" card is one you can actually use at the register.

Does it matter whether I shop at The Home Depot in store or online?

No. The ranking is the same for both channels, so the card that wins in the aisle also wins at checkout on the website. Every major card network is accepted both ways too. Pick your best card once and use it for every purchase, in person or on the website.

What is the catch with the 3% no-annual-fee card at The Home Depot?

The Bank of America Customized Cash Rewards only pays 3% if you have chosen this as its category, the rate is subject to a combined cap, and it drops to a lower rate after that. Miss the selection or pass the cap and a flat 2% card quietly wins. Set the category before starting a big project.

Best cards at The Home Depot

Bank of America Customized Cash Rewards earns the most at The Home Depot right now at 3%.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#13%
Bank of America Customized Cash Rewards
Bank of America · Visa · No annual fee · Choose this category · up to $2,500/qtr (combined) · Lower rate after the cap
3%
2
#23x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
3
#35x
Choice Privileges Select Mastercard
Wells Fargo · Mastercard · $95/yr
5x
4
#43x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
5
#52x
The Business Platinum Card from American Express
American Express · Amex · Business · $895/yr · up to $2,000,000/yr (combined) · Lower rate after the cap
2x
6
#62%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
7
#72%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
8
#82x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
9
#92%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%
10
#102%
Coinbase One Card
Cardless · Amex · No annual fee
2%

Online

Good to know at The Home Depot

The Home Depot accepts every major card network, in store and online, so the only question is which card in your wallet earns the most. The leader here is the Choice Privileges Select Mastercard, which earns 5x for a $95 annual fee — points our conservative valuation treats as roughly 3% in cash terms, not 5%. A big multiplier is only worth what the points behind it are worth.

Prefer to skip the fee? The Bank of America Customized Cash Rewards pays 3% with no annual fee, but it comes with homework: you must choose this category, the rate shares a combined cap, and earnings drop once you pass it. The no-fee 2% tier behind it — the Blue Business Cash Card from American Express and The Blue Business Plus Credit Card from American Express, both up to $50,000 a year — asks nothing of you.

Because the ranking is identical in store and online, one decision covers every trip. And if none of the leaders live in your wallet, the gap is smaller than it looks: a flat 2% card like the Apple Card — provided you pay through the mobile wallet — sits one point behind the no-fee 3% option, with no category election or spending cap to babysit.

The math

Spend $250 a month at The Home Depot and Bank of America Customized Cash Rewards returns about $90 a year at our valuations — a flat 2% card returns $60.

Common questions

What is the best credit card at The Home Depot?: Bank of America Customized Cash Rewards earns the most at The Home Depot right now at 3%.
How does SwipeCaddy pick the best card at The Home Depot?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply The Home Depot's card-acceptance rules, so the "best" card is one you can actually use at the register.
Does it matter whether I shop at The Home Depot in store or online?: No. The ranking is the same for both channels, so the card that wins in the aisle also wins at checkout on the website. Every major card network is accepted both ways too. Pick your best card once and use it for every purchase, in person or on the website.
What is the catch with the 3% no-annual-fee card at The Home Depot?: The Bank of America Customized Cash Rewards only pays 3% if you have chosen this as its category, the rate is subject to a combined cap, and it drops to a lower rate after that. Miss the selection or pass the cap and a flat 2% card quietly wins. Set the category before starting a big project.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.