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[DISCLOSURE: Cards from our partners are mentioned below.]

When your needs grow beyond the square footage of your home, it might be time to build an addition. Whether you need a new bedroom, a home office, or a porch, additions can add value to your home and give you the extra space you need.

But if you’re buying supplies or labor with a credit card, you can quickly rack up a lot of debt. Some credit cards can provide an assist, helping you avoid interest or earn rewards on your purchases.

Here are four credit cards for building a home addition.

Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on up to $7,000 in eligible gas purchases per year, 3% cash back at restaurants and on eligible travel purchases, 2% cash back at Costco and Costco.com, and 1% cash back on other purchases.

Sign-Up Bonus: None

Annual Fee: $0 (you must be a paid Costco member)

Annual Percentage Rate (APR): 16.99%* (Variable)

Why We Picked It: Costco members can use this card to save on home improvement supplies.
For Your Addition:
This card earns 2% cash back at Costco and Costco.com. The wholesale club carries a huge inventory of home improvement supplies, including flooring, tools, appliances, and more, so you have plenty of opportunities to earn rewards. Plus, your purchases are interest-free for seven months.

Drawbacks: You can’t get this card without a Costco membership.

Home Depot Consumer Credit Card

Rewards: None

Sign-Up Bonus: None

Annual Fee: $0
APR:
0% APR for up to 24 months on eligible purchases, then variable 17.99% to 26.99% APR.

Why We Picked It: This card helps you avoid interest on purchases from the home improvement giant.

For Your Addition: If you buy home addition supplies at Home Depot, this card might be right for you. All purchases of $299 and up automatically qualify for 0% APR for six months. Home Depot also offers up to 24 months interest-free on many purchase types, including appliances, carpeting, bathroom appliances, and more.

Drawbacks: If you aren’t a Home Depot customer, keep looking.

Citi Simplicity

Rewards: None

Sign-Up Bonus: None

Annual Fee: $0
APR:
0%* for 18 months on purchases and balance transfers*, then 15.74% - 25.74%* (Variable) APR.

Why We Picked It: With 18 months of 0% APR, you’ll have plenty of time to fund your project interest-free.

For Your Addition: Citi recently cut its 0% APR offer from 21 months to 18. That’s still a year and a half to avoid interest as you make purchases or pay down a balance transfer.

Drawbacks: There are no rewards.

Chase Freedom Unlimited

Rewards: 1.5% cash back on all purchases.

Sign-Up Bonus: $150 bonus cash if you spend $500 in the first three months.

Annual Fee: $0
APR:
0% for 15 months on purchases and balance transfers, then 16.74% - 25.49% Variable APR.

Why We Picked It: This card strikes a great balance between rewards and 0% intro APR.

For Your Addition: All purchases, including your addition expenses, earn 1.5% cash back. You’ll get 15 months of interest-free purchases and balance transfers.

Drawbacks: It’s not the highest cash back rate on the market.

How to Choose a Card for Your Addition

Before you sign up for a credit card to fund your addition, you should research all your financing options. If the cost of your addition is very high, or if you plan to hire a contractor for labor and supplies, a loan might be the better choice.

But if you plan to do all or some of the work yourself, a credit card could be a good fit for your home improvement purchases. If you’re looking for rewards, you should try to find a card that rewards your home improvement purchases or fits your overall spending habits if you plan to use it for other things.

As for 0% APR offers, try to find one that will allow you enough time to make all your purchases interest-free. If you’re still buying supplies by the time the 0% APR expires, you could end up paying more interest than necessary.

What Credit Is Required for a Card for Your Addition?

Credit cards with strong rewards or 0% APR offers usually require good or excellent credit. Before you apply for a card, check to make sure your credit can get you approved. You can check your credit score absolutely free at Credit.com.

If you’re concerned about your credit, you can check your three credit reports for free once a year. To track your credit more regularly, Credit.com’s free Credit Report Card is an easy-to-understand breakdown of your credit report information that uses letter grades—plus you get two free credit scores updated every 14 days.

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