Credit Cards for Housing
Updated: Jan 9, 2026 at 12:43 AM EST
On Chase's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.74% - 27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time®
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback on Amazon, Whole Foods, and Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting, plus 1% on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $50 Amazon gift card instantly upon approval.
$50 Amazon Gift Card
On Chase's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.74% - 27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time®
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on Amazon, Whole Foods, and Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting, plus 1% on all other purchases.
1% - 5% Cashback
Welcome Offer Get a $150 Amazon gift card instantly upon approval.
$150 Amazon Gift Card
On Bank of America's Secure Website
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Custom Pay Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback in the category of your choice: gas & EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores & pharmacies; or home improvement & furnishings. Additionally, earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Plus, earn 1% cashback on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.
$200 + 6% Cashback In The Category of Your Choice for the First Year
On Bank of America's Secure Website
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Custom Pay Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback in the category of your choice: gas & EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement & furnishings. Additionally, earn 2% cashback at grocery stores and wholesale clubs. Earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Plus, earn 1% cashback on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.
$200 + 6% Cashback In The Category of Your Choice for the First Year
On Wells Fargo's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.74% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 10x points on Choice Hotels® stays and on Choice Privileges® point purchases. Earn 5x points at gas stations, grocery stores, home improvement stores, and phone plan services, plus 1x on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $3,000 in the first 3 months - enough to redeem for up to 7 reward nights at Choice Hotels®.
60,000 Points
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on up to $500 in purchases per billing cycle in your top eligible spend category. Additionally, earn 4% cashback on hotels, car rentals, and attractions booked through Citi Travel®, plus unlimited 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $1,500 in the first six months.
$200
On Bank of America's Secure Website
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Custom Pay Plan
Credit Score
New To Credit
Rewards Earn 3% cashback in the category of your choice, 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and 1% cashback on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.
$200 + 6% Cashback In The Category of Your Choice for the First Year
On Wells Fargo's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.74% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn up to 16x points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases: Earn 5x points with the Choice Privileges Mastercard + up to 10x points for being a Choice Privileges member + 10% bonus points from Choice Privileges with Gold Status.. Earn 3x points on gas stations, grocery stores, home improvement stores, and phone plan services. Earn 1x points on all other purchases.
1x - 5x Points
Welcome Offer Earn 60,000 bonus points after spending $1,000 in the first 3 months, which is enough to redeem for up to 7 nights at Choice Hotels®.
60,000 Points
On Bank of America's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Custom Pay Plan
Credit Score
300-669 (Poor/Fair)
Rewards Earn 3% cashback in the category of your choice, 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and unlimited 1% cashback on all other purchases.
1% - 3% Cashback
Welcome Offer Earn 6% cashback in the category of your choice for the first year.
6% Cashback In The Category of Your Choice for the First Year
On U.S. Bank's Secure Website
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
17.74% - 27.99% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.
U.S. Bank Extendpay® Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on the first $2,000 in combined purchases each quarter in two categories you choose. Activation is required each quarter by the stated deadline. Earn 5% cashback on prepaid airfare, hotels, and car rentals booked through the Rewards Center with your card. Earn 2% cashback each quarter on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
$200