Best Low Interest Rate Credit Cards For Home Improvement Purchases

Apply now for a credit card that will help you improve your home. We've done the research for you.

Whether you are looking to finance new windows, roofing, siding, bathroom remodel or any other home improvement project these three cards prove that good deals on low interest rate credit cards still exist. All offer a 0% introductory rate on purchases and balance transfers and include low ongoing APRs if you qualify. (A caveat: All charge balance transfer fees from 3% to 5%.)

Discover® More® Card

Citi® Diamond Preferred® Card

Capital One® Platinum Prestige Credit Card

Why We Like This Card:

0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com

Why We Like This Card:

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Exciting deals and savings for great brands through Citi Specials

Why We Like This Card:

0% intro APR until September 2013 on balance transfers
0% intro APR until September 2013 on purchases
No annual fee

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Discover® More® Card

Key Highlights

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

View Complete Terms

Our Expert Review

2010

With a 0% rate on purchases and balance transfers for the first 15 months, the Discover® More® Card may be an option to consider for those with good to excellent credit. Different types of purchases qualify for the 5% cash-back bonus at different times of the year; consider your buying habits and how this card might accommodate them. Additional types of purchases may qualify for 1% cash back, and other bonus opportunities might be had through the ShopDiscover website. After 15 months the variable annual percentage rate (APR) kicks in. An additional plus: no annual or sign-up fee.

Benefits

Benefits include live phone support, online tools, and e-mail reminders for upcoming payment due dates. It also offers $0 fraud liability, advanced fraud early warning alerts, and access to fraud specialists.

Rewards

Depending on the month, certain purchase categories merit higher bonuses through the card's cash back program. Among the qualifying purchases: gas, hotel and movie purchases, and restaurant and fashion-related transactions. There are also opportunities to earn 5% to 20% cash back through Discover's online shopping site, as well as 1% cash back on other types of transactions. Check with the card issuer for details.

Balance Transfers

During a 15-month introductory rate beginning when the first transaction posts to the cardholder's account, a zero-percent annual percentage rate applies. After this period, the rate will increase to a variable 10.99 percent to 20.99 percent rate. A 3 percent balance transfer fee will apply.

Rates

There's no annual fee, and after the 0% introductory period a basic APR that depends on your credit standing applies. There are late fees up tp $35.

Who Should Apply

If you're looking for great cash back bonuses and use your card for travel, gas, groceries and more, the Discover® More® Card is a great choice.

Credit Standing

This card is intended for those with good to excellent credit, which typically amounts to a credit score of at least 700.

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Citi® Diamond Preferred® Card

Key Highlights

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Exciting deals and savings for great brands through Citi Specials
No Annual Fee*

View Complete Terms

Our Expert Review

Beverly Harzog - March, 2011

The Citi® Diamond Preferred Card® is an excellent choice for savvy consumers who are looking for a low-interest credit card. With this card, you get a zero percent introductory APR on purchases and balance transfers for 18 months. When the introductory period ends, a variable rate as low as 11.99 percent will apply.

Benefits

You get 24/7 Diamond Preferred Concierge Service, which you can use to book flights, hotel rooms and more. You can also get access to special events and discounts online through Citi® Private Pass. Get more discounts using the Extra Cash from Citi® program at their online shopping mall.

Rewards

Rewards do not apply.

Balance Transfers

This card offers a zero percent introductory APR on balance transfers for 18 months. Note that your balance transfer must be completed within four months from the date of account opening. After the intro APR ends, you get an 11.99 percent, 16.99 percent, or 21.99 percent variable APR, depending on your creditworthiness. There's a 3 percent balance transfer fee.

Rates

The Citi® Diamond Preferred Card® offers a zero percent introductory APR on purchases for 18 months. After that, you get an 11.99 percent, 16.99 percent, or 21.99 percent (V) APR, depending on your creditworthiness. Cash advances carry a 25.24 percent (V) APR. There's no annual fee.

Who Should Apply

Consumers who are looking for a no-frills credit card that features a zero percent introductory APR on purchases or balance transfers.

Credit Standing

You need an excellent credit score, which is 750-plus, to qualify for this card.

Author

Beverly Harzog

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Capital One® Platinum Prestige Credit Card

Key Highlights

0% intro APR until September 2013 on balance transfers
0% intro APR until September 2013 on purchases
No annual fee
24-hour roadside assistance

View Complete Terms

Our Expert Review

July, 2010

Do you have other credit card balances that are subject to high rates? The Capital One Platinum Prestige credit card offers you the chance to transfer your balances at no additional charge during an extended introductory period and provides a range of benefits and assistance.

Benefits

The Platinum Prestige card offers a range of assistance services - including $0 fraud liability, travel accident and car rental insurance, an extended warranty program, and 24-hour travel, roadside and emergency assistance.

Rewards

Rewards do not apply.

Balance Transfers

Cardholders can carry over their balances at a zero percent APR during an introductory period lasting until September 2013. During the intro period, transfers will be subject to a 3 percent transfer rate. MasterCard also makes a pledge to members that,"We will not increase your introductory APRs for any reason before the end of the introductory period." Following the intro period, a variable balance transfer rate of 10.9 percent to 18.9 percent will apply.

Rates

The card will carry a zero percent APR on all purchases through September 2013. After this intro period ends, a variable APR of 10.9 percent to 18.9 percent will apply. The Platinum Prestige does not charge a sign-up or annual fee.

Who Should Apply

Individuals who want to transfer a large balance and pay down their debt quickly at a zero percent rate should apply for this card.

Credit Standing

The issuer requires an excellent credit rating of 700 or above for this product.

Annual Fee	$0	$0	$0
Intro APR	0%	0%	0% Until September 2013
Ongoing APR	10.99-20.99% (V)*	11.99-21.99% (Variable)	10.9-18.9% (V)
	View card details	View card details	View card details

*For complete information, see the terms and conditions on the credit card issuer's web site. Once you click to apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.