5% home improvement year round

[IWOL]

You could by Lowes gift cards at grocery stores and get higher cash back that way when not using the Discover and Freedom quarters.

[Anonymous]

Best answer is Lowes and Home depot for regular people.
BUT, OP wants to pocket the 5% discount and not give the savings to his employer.
You see with Lowes card the discount is automatic, hence his employer gets the discount and not him.

[Anonymous]

So, how do I know this..... My employees can only use the company card for Lowe's and Home Depot.

[unc0mm0n1]

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@Bman70 wrote:

Yeah the store's cards themselves are 5% off discount, I'm looking more for cash back. 

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I have the Old Amex Blue which gives me 5% off grocery stores and drugstores. I just buy Home Depot or Lowes cards there and thus get 5% off year round.

[Bman70]

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@Anonymous wrote:
Best answer is Lowes and Home depot for regular people.
BUT, OP wants to pocket the 5% discount and not give the savings to his employer.
You see with Lowes card the discount is automatic, hence his employer gets the discount and not him.

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Lol, that doesn't even make sense. Anyway as posted above, I'm buying for myself for home improvement projects done by me.

[Anonymous]

Currently US Bank Cash+.  As home improvement is still a 5% category; however the categories have been changing a lot lately.  

[Anonymous]

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@unc0mm0n1 wrote:

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@Bman70 wrote:

Yeah the store's cards themselves are 5% off discount, I'm looking more for cash back. 

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I have the Old Amex Blue which gives me 5% off grocery stores and drugstores. I just buy Home Depot or Lowes cards there and thus get 5% off year round.

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[Don't mention that card!],   If you are willing to take a little more hassle, you can do well buying the gift cards from brokers (search using e.g. giftcardgranny)  So right now, for example, Lowes cards are available at 9%+ off , at lots of price points: Junkyard is selling a $1,527.95 card at 9.1% off, there are also ones in the $50 range with the same discount.  Home Depot seems to be 10-11+ off.

And remember, this is the price of the gift cards, so you add whatever your credit card gives you, so an extra 2% for DoubleCash for example (my fave doesn't take Amex so can't use Fidelity).

These deals tend to beat most things, and the cards can still be used at Cashback portals to earn more  So Upromise is 5%, LuckyRewards 3% so you can easily get 15% or more off.

I recommend those chasing cashback rewards to use sites like giftcardgranny (for the cards) and cashbackmonitor (for portals) to really maximize savings.

[Bman70]

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@Anonymous wrote:

Currently US Bank Cash+.  As home improvement is still a 5% category; however the categories have been changing a lot lately.  

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Hmm, I don't seee it on my categories list. Just furniture stores, department stores, electronic stores, and some others. 

[Bman70]

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@Anonymous wrote:

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@unc0mm0n1 wrote:

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@Bman70 wrote:

Yeah the store's cards themselves are 5% off discount, I'm looking more for cash back. 

---

I have the Old Amex Blue which gives me 5% off grocery stores and drugstores. I just buy Home Depot or Lowes cards there and thus get 5% off year round.

---

[Don't mention that card!],   If you are willing to take a little more hassle, you can do well buying the gift cards from brokers (search using e.g. giftcardgranny)  So right now, for example, Lowes cards are available at 9%+ off , at lots of price points: Junkyard is selling a $1,527.95 card at 9.1% off, there are also ones in the $50 range with the same discount.  Home Depot seems to be 10-11+ off.

And remember, this is the price of the gift cards, so you add whatever your credit card gives you, so an extra 2% for DoubleCash for example (my fave doesn't take Amex so can't use Fidelity).

These deals tend to beat most things, and the cards can still be used at Cashback portals to earn more  So Upromise is 5%, LuckyRewards 3% so you can easily get 15% or more off.

I recommend those chasing cashback rewards to use sites like giftcardgranny (for the cards) and cashbackmonitor (for portals) to really maximize savings.

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The gift card suggestions sound promising - would just have to look at my grocery cap. As long as giftcardgranny is legit with no fake or expired cards being hocked, I might look into that. 

[Anonymous]

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@Bman70 wrote:

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@Anonymous wrote:

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@unc0mm0n1 wrote:

---

@Bman70 wrote:

Yeah the store's cards themselves are 5% off discount, I'm looking more for cash back. 

---

I have the Old Amex Blue which gives me 5% off grocery stores and drugstores. I just buy Home Depot or Lowes cards there and thus get 5% off year round.

---

[Don't mention that card!],   If you are willing to take a little more hassle, you can do well buying the gift cards from brokers (search using e.g. giftcardgranny)  So right now, for example, Lowes cards are available at 9%+ off , at lots of price points: Junkyard is selling a $1,527.95 card at 9.1% off, there are also ones in the $50 range with the same discount.  Home Depot seems to be 10-11+ off.

And remember, this is the price of the gift cards, so you add whatever your credit card gives you, so an extra 2% for DoubleCash for example (my fave doesn't take Amex so can't use Fidelity).

These deals tend to beat most things, and the cards can still be used at Cashback portals to earn more  So Upromise is 5%, LuckyRewards 3% so you can easily get 15% or more off.

I recommend those chasing cashback rewards to use sites like giftcardgranny (for the cards) and cashbackmonitor (for portals) to really maximize savings.

---

The gift card suggestions sound promising - would just have to look at my grocery cap. As long as giftcardgranny is legit with no fake or expired cards being hocked, I might look into that. 

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giftcardgranny is just the search engine, you go to one of the listed sellers.  The only time I have had problems with a card being reported as missing/stolen, the brokers have refunded my money within 24 hours.