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Earn 2X miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets. The ability to earn a companion certificate when you hit a spending threshold makes this card stand out. You get 2X points on travel and dining and 1.5X points on everything else, and points are worth the same no matter how you redeem them — for cash back, travel or something else. If you're looking for straightforward rewards, this is an appealing option.
You can find a participating store near you through Synchrony's website. Most retailers offer furniture, bedding, mattresses, lighting and window treatments. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.
How do I apply for a Home Depot credit card?
You can view your real-time transaction, transaction history, card balance, and monthly billing statement. There is no limit to online purchases as long as you have enough available credit limit in your card. To avoid interest charges, we advise you to pay the Total Amount Due on or before your due date. That is the total amount charged to your credit card within the billing period.
The card features a good, long 0% intro APR period, and cardholders also have the opportunity to lower their ongoing interest rate and increase their credit limits. The card's high rewards rate applies only when you redeem into SoFi Checking and Savings or a SoFi Invest account or put it toward the balance on a SoFi loan. But if you want a statement credit instead, rewards are worth only half as much. The free night's stay each account anniversary more than makes up for the card's annual fee.
More ways to enjoy your card?
Interest rates on these types of loans tend to be lower than on other types of loans because they are secured by the portion of your home that you own. Choosing an option depends on what you wish to do with the extra cash. It covers unauthorized online transactions within 30 days from the last billing date or prior to the cardholder’s notification to our customer service. It does not apply if the cardholder voluntarily provided his confidential information to dubious or unscrupulous websites. Converting to an installment plan helps you budget your spending every month.
If you have a high credit score, consider the Wells Fargo Active Cash Card with a zero intro APR for 15 months and 2% cash rewards on purchases. The Lowe’s Advantage Card is another shop credit card that offers an automatic 5% discount on eligible purchases online and offline. Along with furniture stores and home improvement stores, 3% bonus category choices include gas, online shopping, dining, travel and drug stores. You can change your bonus category choice once per calendar month, making the card ideal if your spending habits change from month to month.
N. Card Protection
This $0-annual-fee small business credit card has a short 0% APR period, a modest sign-up bonus and no ongoing rewards. This no-annual-fee card offers the same rewards and new-cardholder bonus as Discover's regular cash-back cards. Make charges to your card or borrow against your credit line. Either way, you can pay off the balance in equal monthly installments at a fixed rate. WebBank, this card can offer a path to credit — and even rewards — for people with a less-than-ideal cash flow or credit history. The issuer can look beyond just credit scores to determine eligibility.
Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here. Home Depot occasionally rolls out special offers for its cardholders. For example, it will sometimes offer 5% back as a statement credit on specific types of purchases.
How will I know the status of my application?
NerdWallet's experts break down the most popular credit cards on the market — and turn up a few gems you may never have heard of but that deliver outsize value. Considering that there are no rewards perks for using either Home Depot credit card, you may want to look elsewhere to earn while you spend. When applying for the Home Depot Project Loan Mastercard, you’ll need to request a specific estimate of costs to complete your home project. As a best practice, you’ll want to only request what you’ll need to finish the project. Use Synchrony’s store locator tool to find online and brick-and-mortar stores near you that accept the card, and be sure to check what sort of financing plans they offer. If you’re making a purchase of $299 or more but don’t need a financing plan, consider using a different cash back credit card instead of the Synchrony HOME card.
There's no annual fee, but the perks are modest compared with what you'd get on other Hilton cards. Get unlimited access to United's airport lounges, along with free checked bags and a very good rewards rate. Southwest's most expensive consumer credit card comes with an array of perks that can easily make up for the difference in cost. The heavy metal cards come with big annual fees, but not necessarily the benefits to match. Earn 2 miles per dollar spent, plus extra rewards on travel bookings through the issuer, and receive a slew of travel-related perks, including airport lounge access.
SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. This compensation may impact how and where products appear on this site . SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products. A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for.
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. When you have home equity, you can use that equity as collateral to borrow money in the form of a home equity loan, home equity line of credit or a reverse mortgage.
The card comes with a $0 annual fee, offers a path to upgrade to a regular card and earns rewards. This card offers an adjustable credit limit and a potential upgrade path. But it's not a true 0% offer, and you won't earn any ongoing rewards.
This discount could be good news for a strapped-for-cash college student, but maybe not so much for a well-established professional. MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers.
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