Comparison by use

Best credit card for home improvement and renovations

Hardware, renovations, and furnishings. The ranking below applies the same published spending scenario to every eligible card; change the spending level or the American Express policy to see the matching Top 3.

See this ranking in your province or territory

Your use

Choose a use

Reference amounts for this use

Each level uses an amount suited to the selected use instead of a profile’s full annual budget.

  • Moderate — $7,800 / year
  • Standard — $11,700 / year
  • High — $19,500 / year

The ranking applies the same amount to every card compared within a given level.

Carte IQ ranking

Best cards for home improvement and renovations

1 Top Carte IQ pick
SimplyCash Card from American Express — American Express Canada

SimplyCash Card from American Express

American Express Canada · American Express

  • Home improvement and renovations
  • Cashback
Use-case value
$146.25
Annual fees
$0
Annual net value
$146.25
View card
2 Alternative
RBC ION Visa — RBC

RBC ION Visa

RBC · Visa

  • Home improvement and renovations
  • Transferable points
Use-case value
$117
Annual fees
$0
Annual net value
$117
View card
3 Alternative
CIBC Costco Mastercard — CIBC

CIBC Costco Mastercard

CIBC · Mastercard

  • Home improvement and renovations
  • Cashback
Use-case value
$117
Annual fees
$0
Annual net value
$117
View card
3 cards compared with the same assumptions. Based on $11,700 per year at the standard spending level in Quebec.

Go further

Continue your search

Looking for a complete card portfolio instead?

Explore one- to three-card strategies built for five reference profiles.

See strategies by profile