Best credit card for home repairs/remodeling?

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Best credit card for home repairs/remodeling?

Postby error404 » Sun Apr 21, 2013 8:20 am

I'm in the process of buying a new house that it's going to require some work: New roof, new HVAC, new floors, new kitchen, re-do bathroom, etc...

I figured, this is perfect time (after closing), to get a credit card and start ranking some points. (I hope it comes without saying, that I'm planning to pay it off every month and keep it with a balance of not more than $5.00).

(1) My first thought was to get a credit card that would give me the best cash rewards, but then I started thinking... maybe my accumulated points get me more if it's a Airfare Creditcards? If that's the case, I'll be traveling from Philadelphia (US Airways is their main airline)

(2) What credit cards should I be re-searching?

(3) Is it possible to set them up to pay bills over the internet? (dumb question, but I usually use my debit card for everything: I can set up to pay bills like rent straight from the Banks website, and they simply send a check. If I could do the same with a creditcard, I could cash in on all the money that I spend for Mortgage, and other bills )

I'm going to start researching different cards, but any help would be appreciated.


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Postby Robrus1 » Tue Apr 23, 2013 1:57 pm

It sounds like you're going to be spending quite a lot. The Discover IT card is offering 5% cash back on home improvements, but it's only for this quarter and it's capped at $1500, which it sounds like you'll easily pass. I'm unaware of any other great deals on home improvement at the moment. I don't ever fly US Airways, but if you're wanting a good airline card, there are lots of options, and I'm sure there are some I don't know about. Chase, Amex, BofA, Penfed etc all have good cards worth checking out.

It's really just a matter of what you think you can benefit from the most, how you feel about annual fees, how much annual spend you're planning, etc. Chase Sapphire Preferred has a relatively low annual fee considering the services provided and the generous signup bonus.

Yes, you can pay your bill online. Just set up your username/password through the lender's website. You simply enter your routing number, account number, payment amount, and payment date to pay your bill electronically.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

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Postby djrez4 » Tue Apr 23, 2013 3:09 pm

Ink Plus or Bold - 5x points at office supply stores. Purchase Home Depot gift cards there. Double dip by purchasing everything through the Ultimate Rewards portal using the gift cards for an extra 3x points. I don't think you can beat 8 points per dollar, plus the 50k point bonus after spending $5,000 in three months.

For the moment, you can transfer the points to United and book US Airways. That will change when the AA merger is complete.

You can set up bill pay over the internet for all of the Ink cards.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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