Home Depot vs. Lowes vs. Best Buy vs. other

[denver133]

I am excited to say that I am closing on my first home in March!  Wahoo!  It's new construction and after months and months of delays, we are finally on track. 

However, I will need to get a new washer/dryer and fridge once we close.  Of course I am waiting till after I get keys in hand to apply for a new card so I would like to get some advice on which would be best.

With these major appliance purchases, what does the community feel is the best card to go with?  Scores are below.     Thanks for any suggestions.   

[Anonymous]

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@denver133 wrote:

I am excited to say that I am closing on my first home in March!  Wahoo!  It's new construction and after months and months of delays, we are finally on track. 

However, I will need to get a new washer/dryer and fridge once we close.  Of course I am waiting till after I get keys in hand to apply for a new card so I would like to get some advice on which would be best.

With these major appliance purchases, what does the community feel is the best card to go with?  Scores are below.     Thanks for any suggestions.   

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Lowe's card for sure.

[CreditJim]

Lowe's. Easy to get a nice big limit and always worth keeping for the 5% discount or the long 0% financing offers.

[Anonymous]

Lowe's all the way! You can call after your initial approval and ask to be bumped to 25k. Not another HP and they will almost always give you something big, YMMV. You also can't beat that 5% off for the purchases you don't due financing on.

[Anonymous]

Also, congrats on the house!

[Anonymous]

Another vote for Lowes here!  Currently taking advantage of the 18 months 0% for some flooring the DW wante..  ummm...  needed.    And like others have mention, VERY generous with immediate CLI once approved.

I can also say the Home Depot  (Citi) was very generous, bumped me from an initial approval of $601 to $10,000 the same day after requesting a CLI online and calling to answer a few questions...

If I had a Best Buy card I'd probably play that one up too and make my post a COMPLETE waste!  LOL

[Anonymous]

I would not get any store cards, although Lowes is miles better than home depot as others have suggested.

I would pick a card with great sign up bonus and buy Lowes or home depot gift cards.

For example, I would app for chase CSP, 40,000 UR for spending $4000. Buy gift cards for Lowes or homedepot at 10% or greater discount.

$4000.00 appliance cost
- $400.00 Chase bonus (yes, UR are worth more)
- $440.00 gift card discount + 1% back from chase.
$3160.00 total real cost
21% savings.

[denver133]

I was thinking CSP for that reason but really concerned that come March, I wont be above 700 to be approved.  (Lots of paid COs from over 2 years ago still holding me down)   

[Anonymous]

I would say best buy there pretty great and its also pretty easy to get approval and you shoud get a good limit

[mitchblue]

Or you could get a CC that will extend the warranty..maybe you already have one? An extra year can come in handy down the road.