Our two highest rated and most popular cards. Choose one or both depending on your needs.
*for bigger projects get both cards

0% for 18 months	0% for 14 Months
Citi Simplicity Card 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees – EVER. No penalty rate – EVER. No annual fee – EVER. Save time when you call with fast, personal help, 24 hours a day.	Discover Card The new Discover it card is out to change the way people think about credit cards Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.* Generous…5% cash back at restaurants and movies right now through March on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible…Choose your own due date and pay up to midnight ET online or by phone. Human…talk to a real person any time with 100% U.S.-based service. Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee. 0% Intro APR on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 20.99%. *Click apply for Terms & Conditions.

How it works for customers

America’s Home Improvement Loans Leader

We are “America’s Home Improvement Loans Leader.” We will find a home improvement loan for your financial situation because home improvement financing is our specialty. If you’re looking to finance a home improvement project, we know how to get the loans done fast and efficiently. If you’re looking for kitchen loans, sunroom loans, pool loans, or any other type of home improvement project, you’ve come the right place! We have several industry leading programs to help you fund your projects including 3 different 0% APR cards, 2 different unsecured loans and some options for the credit challenged.