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Chase Home Improvement Rewards(SM) Card

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Issued by Chase   Categories: Reward - Cash
Chase Home Improvement Rewards(SM) Card Overall Rating

Benefit Rating

The Chase Home Improvement Rewards(SM) Card, issued by Chase, is designed for home improvement enthusiasts with average credit who plan to take advantage of the rewards program.

Through the rewards program, cardholders earn up to three points per dollar spent at the following stores: lumber or building supply stores; glass, paint, or wallpaper stores; and hardware stores. Cardholders also earn one point per dollar spent on all other eligible purchases. For every 2,500 points earned, cardholders will receive either a $25 gift certificate or a $25 check. Point redemption is limited to 60,000 points per year for general purchases and 30,000 points per year for home improvement purchases.

The credit card has no annual fee and a reasonable APR for purchases (for those who qualify). There is also an attractive 0% introductory rate that can be applied towards purchases and balance transfers for the first six billing cycles.

Cardholders can expect common benefits provided by Chase, such as travel accident insurance, auto rental insurance, and various travel and emergency assistance services. This card also offers a sweepstakes opportunity, and cardholders receive exclusive tips from the experts.

Therefore, those who qualify for the lowest rate offered, will take advantage of the rewards program, and plan to make improvements to their home will benefit most from what the Chase Home Improvement Rewards(SM) Card has to offer.


Most Attractive Feature(s): Reward program offered; 0% introductory rate; no annual fee.
Least Attractive Feature(s): Higher APR for less qualifying applicants.

Additional Perks

Various Internet account related services.
Emergency cash replacement.
Emergency card replacement.
Lost and stolen card reporting.
Auto rental insurance (Auto Rental Collision Damage Waiver).
Various travel and emergency assistance services.
Purchase protection.
Extended warranty for purchases.
No liability for unauthorized transactions.
Year-end financial statement (upon request).
Travel accident insurance.
Opportunity to participate in a sweepstakes with the chance to win home improvement prizes.
Exclusive home improvement hints and tips in every account statement.
Access to an e-newsletter from the editors of The Family Handyman magazine.
See website for additional benefits.
Certain restrictions, limitations, and exclusions apply.
If an account is opened, please refer to the Guide to Benefits for details.

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Rates & Fees
  • Introductory Rate: 0% APR for 6 Months
  • Introductory Rate Details: None
  • Grace Period: 20 Days (Min.)
  • Applied Towards: Purchases, Balance Transfers
  • APR (Purchases) %: 13.24
  • APR (Cash Advances) %: 23.24
  • Finance Configuration: Average Daily Balance (including new purchases)
  • Annual Fee: $0
  • Additional Cardholders: $0
  • Application Fee:
  • Minimum Credit Limit: n/a
  • Maximum Credit Limit: n/a
  • Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
  • Over-The-Limit Fee: $39
  • Cash Advance Fee: 3%, $10 minimum
  • Balance Transfer Fee: 3%, $5 minimum, $99 maximum
  • Important Notations: The APR for purchases and balance transfers varies according to the applicant's credit history and will be 5.99%, 9.99% or 14.99% + Prime Rate.
    See website for complete terms and conditions of card usage and application disclosure.
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* See the online credit card applications for details about Terms and Conditions of offer.

Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.

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APR (Purch) % APR (Cach) % Annual Fee Intro APR
n/app Not Available $125** No Introductory Rate Available



American Express® Preferred Rewards Green Card

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  • No Annual Fee for the First Year - $95 Thereafter
  • Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
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APR (Purch) % APR (Cach) % Annual Fee Intro APR
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Chase Home Improvement Rewards(SM) Card

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