Spring is here and you know what that means — it’s time to clean gutters, plant flowers, and freshen up your outdoor space. You might need to organize the garage, lay down new mulch, and put out new potted plants and perennials.
Maybe you plan to paint your garage door or the exterior of your home, lay new landscaping rock, or plant a few trees. Whatever you decide to do, the time to start planning is now.
With that in mind, it’s smart to figure out which rewards cards will give you the most bang for your buck. Not only can you earn a signup bonus for scoring a new card before your spring clean, but some cards offer additional points for home improvement purchases made this year.
While there is no shortage of lucrative cash-back and travel rewards offers available, here are some of the best cards for this year’s spring cleaning season:
Chase Sapphire Preferred® Card
While the Chase Sapphire Preferred® Card
is known as a travel credit card, there are plenty of other ways to redeem your points. Not only can you cash them in at a rate of one cent per point for high value gift cards, but you can redeem them for statement credits, too.
While the Chase Sapphire Preferred® Card offers only 1x points on regular purchases (and 2x points on travel and dining), there are plenty of ways to maximize the points you earn or redeem points for home improvement projects.
For starters, the Chase Ultimate Rewards® portal makes it possible to earn additional points when you click through to certain stores before you shop. While the stores and bonuses change frequently, you can typically score extra points for online purchases made through the portal at stores like Walmart, Lowes, and Home Depot.
You can also cash in your points for all kinds of gift cards for home improvement stores, including Walmart, Home Depot, Pottery Barn, The Container Store, Kirkland’s, Overstock.com, and Wayfair.com.
Capital One® Venture® Rewards Credit Card
The Capital One® Venture® Rewards Credit Card
is another card that could pay off if you use it for home improvement expenses, particularly if you have upcoming travel plans to pay for. This card lets you earn 2x points for each dollar you spend on all purchases. When you go to redeem, you can use them for any travel purchase at a rate of one cent per point.
If you plan to do a big outdoor overhaul, you could sign up for this card and score a pretty big bonus upfront as well. Currently, the Capital One® Venture® Rewards Credit Card is offering a one-time bonus of 50,000 points after you use your card for $3,000 in purchases within three months of account opening. The signup bonus alone is worth $500 in any type of travel, including flights, hotels, train tickets, and more.
The Chase Freedom® is another card that can help you rack up more points on your summer landscaping and cleanup efforts. Not only does this card offer unlimited 1% cash back on every purchase, but it also offers a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. You can also earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
What makes it ideal for spring cleanup is the 0% intro APR for 15 months from account opening on new purchases and balance transfers. After that, a variable APR of 16.74% - 25.49% applies. This card comes with a 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. After that 60-day period, either $5 or 5% of the amount of each transfer, whichever is greater applies to balance transfers.
If you plan to purchase your outdoor supplies at Walmart or any other store that lets you pay with Chase Pay,
Chase Freedom Unlimited®
If you don’t like the idea of rotating categories, the Chase Freedom® Unlimited
offers a flat rate of return that is easier to keep track of. Once you sign up for this card, you’ll earn unlimited 1.5% back on every purchase you make. You can also earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening.
Like other Chase cards, you can use your account to earn extra points on purchases made through the Chase shopping portal. You can also redeem your Chase points for an array of gift cards for popular retailers through the portal, including stores that sell home improvement products and outdoor supplies.
Chase Slate® (Offer Expired)
The Chase Slate® is a final option to consider — but only if you don’t have the cash you need to pay for the outdoor cleanup you want this year. This card doesn’t have a rewards program, but it does offer 0% APR on purchases made within the first 15 months.
This promotion makes this card ideal if you want to “go big” this spring but need some time to pay for all the outdoor upgrades you want. If you plan to purchase an outdoor shed, repave your driveway, or add new exterior landscaping, for example, you could need to pay thousands of dollars upfront. While the Chase Slate® won’t help you save money on your purchases, it will let you avoid interest payments for 15 months. Best of all, there is no annual fee.
The Bottom Line
Before you decide to splurge for better landscaping, new exterior paint, or potted plants this year, make sure to explore the rewards cards that could help you save money, score free gift cards, or rack up additional points for your purchases.
While these cards can’t do the hard labor for you, they can make financing your plans a lot easier on your wallet.
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