Daily Home Renovation Tips

We have written previously about financing our home renovations and retailer credit cards. 

I have also written about watching out for credit card companies increasing your credit card limits  without you knowing about it.

I came across a credit card company recently whose cards I did not have during our renovations because I tended to use one from a bank which provided 2% credit to be applied towards a new car on any type of purchase. I thought this was the best I could do as far as cashback on my credit card purchases. I was wrong.

I also had two or three other credit cards by different organizations as backup in case the vendor did not use a MasterCard but they gave less credit back to me.

I also have these credit cards because there is no annual fee. I absolutely refuse to have any credit cards where I have to pay to use it.

I came across a series of credit cards from Discover that absolutely astounded me. Don’t take my word for it; select the links provided below to see for yourself directly from them.

Discover has as far as I have known always had a program where the card holder receives something back. However I did not know that they have a series of cards which provide … are you ready …. a full 5% cashback bonus on certain types of purchases.

And before you think that this is limited to certain hard to find specific retailers, think again. And, you can even select the card or cards which provide this high a cashback based on different types of products you purchase.

For example,  you can use this link to apply for the Discover® Open Road Card which will provide you with “5% Cashback Bonus on your first $100 in gas and auto maintenance purchases each billing period… and … up to 1% unlimited Cashback Bonus on all other purchases automatically ”. It’s not me saying this. Use the previous link to their web site and see for yourself.

Let’s say, however, you spend more than $100 on type of products and services other than gas in a typical month. And here to me is the home renovation financing aspect. In this case you can use this other link to Get the Discover® More Card which will provide you with “5% Cashback Bonus in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants, and many more”.

Now, this card has some limits where this large cashback only kicks in after a certain amount of spending. However, if you are renovating your home you will blow by these amounts in no time. I know we would have for sure.

There’s one more credit card in this series that caught my eye, the Discover® Business Card. Now on this one you can receive “5% cashback bonus on office supplies, 2% cashback bonus on gas purchases and up to 1% cashback bonus on everything else”.

These are their words, not mine.

Oh, and at least most of these cards have the standard 0% introductory financing of most credit cards.

Yes, all of them have no annual fee and other benefits.

Be sure you read all of the literature for any credit card application, just as you would for any home, auto or life insurance policies.

Now, you do need to read the full details per the links above. You are also of course responsible for managing your own credit.

However, using credit cards like this can really help you maximize what you receive back from using your credit cards as an organized strategy of financing your home renovation and home improvement costs, in addition to your every day living expenses.

If you think some of the benefits I found attractive above of interest to you, use the links above to learn more. They can even take you to apply directly on line.