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Top 10 Credit Cards for Home Improvements and Landscaping in Canada

June 10, 2021
12 mins
Grandparents garden with their granddaughter on nice summer day

Nearly three-quarters of Canadian homeowners (74%) are planning to make home improvements this year, according to a March 2021 survey conducted by HomeStars.

“With all this extra time at home, Canadians are investing in their spaces by making repairs, adding functionality or simply to ‘spark joy’ in the new normal we’re living in,” Shir Magen, CEO of HomeStars, said in a release.

The report found that outdoor work, including landscaping and decks, was the main priority with over half of survey respondents (54%) planning to improve their outside space. Rounding out the top five renovations were bathroom projects (32%), kitchen updates (23%), basement overhauls (17%), and appliance repair or replacements (12%).

Many of these projects can be costly. Just under half of the homeowners (46%) anticipate spending between $1,000 and $10,000 on their upgrades — a budget HomeStars compares to the cost of an annual family vacation.

We at RATESDOTCA want to share a few simple tips and tricks for sprucing up your home and garden on a budget. The first step may be as close as your local supermarket.

1. Shop the garden centre

While most credit cards don’t specifically reward cardholders for buying plants and soil, they will typically offer a percentage of each purchase back in cash or points. A few cards provide accelerated rewards for furniture and home improvements, like the Tangerine Mastercards or Triangle Mastercards from Canadian Tire.

What might surprise you is that your grocery card may be just as rewarding during the spring and summer. Depending on your credit card, you may be able to earn and redeem rewards at your local garden centre, such as the ones affiliated with Walmart or President’s Choice. Keep an eye on the weekly flyers for deals and discounts to save more money on the supplies and tools you’ll need to create your dream yard.

credit card mascot.png

Compare the best credit cards on RATESDOTCA

Find the best credit card for your lifestyle today!

2. Take advantage of your credit card perks

Some credit cards offer exceptional perks like the $50 annual lifestyle credit found on the BMO eclipse Visa Infinite* Card or the $200 annual lifestyle credit provided by the BMO eclipse Visa Infinite Privilege* Card. The primary account is credited within two statement periods after making a purchase equal to or greater than the annual lifestyle credit amount, as long as the account is in good standing.

Cardholders can use this type of reward toward supplies or merchandise of their choice, like patio stones, fire pits or Muskoka chairs.

3. Look for member-exclusive benefits

Loyalty programs generally offer members access to personalized offers and promotions. But some cards, like the Triangle™ Mastercard®, provide a few additional incentives. Cardholders can make payments more manageable with no fee, no interest financing available on qualifying purchases of $150 or more at participating Canadian Tire stores.

Related read: Credit Card Installment Plans: Should You Buy Now and Pay Later?

Cardholders can also make no receipt returns at participating stores, which can be convenient when running errands and picking up products for your DIY projects.

Compare the best credit cards for home improvements and landscaping below.

Our top picks

Credit card

Top benefits for home improvements or landscaping

First-year value*

1. Scotiabank®* Gold American Express® Card

  • Earn five Scotia Rewards points for every $1 spent on eligible grocery purchases.

$1,024

2. BMO eclipse Visa Infinite* Card

  • Get a $50 annual lifestyle credit to spend however you want.

$862

3. BMO eclipse Visa Infinite Privilege* Card

  • Get a $200 annual lifestyle credit to spend as you wish.

$686

4. President’s Choice Financial® World Elite Mastercard®

  • Get 30 points for every $1 spent at President’s Choice stores.

$476

5. President’s Choice Financial®World Mastercard®

  • Get 20 points for every $1 spent at President’s Choice stores.

$398

6. President’s Choice Financial® Mastercard®

  • Get 10 points for every $1 spent at President’s Choice stores.

$320

7. Triangle Mastercard®

  • Collect CT Money® on everything you buy.
  • No fee, no interest financing available for qualifying purchases of $150 or more.

$368

8. Tangerine Money-Back Credit Card

  • Earn up to 2% cash back for grocery, furniture, and home improvement purchases.

$309

9. Tangerine World Mastercard®

  • Earn up to 2% cash back for grocery, furniture, and home improvement purchases.

$309

10. Walmart Mastercard®

  • Get 1.25% in Walmart Reward Dollars for every $1 spent at Walmart locations in Canada or online at Walmart.ca.

$280

*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.

1. Scotiabank®* Gold American Express® Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$400
+ Annual rewards
$744
- Annual fee
$120
Total first year value
$1024
Scotiabank®* Gold American Express® Card

card image
Welcome bonus
$400
Scotia Scene+ Points
Annual rewards
$744
Scotia Scene+ Points
Annual fees:
$120
Interest rates:
20.99% on purchases • 22.99% on cash advances
2024 Winner – Best No Foreign Transaction Fees Credit Card for Long Stay Travellers and Best Credit Card for Subscriptions
Earn valuable rewards points on a wide variety of categories that you can redeem for travel, cash back and more
Details at a glance Collapse details
Welcome bonus
$400
Annual rewards
$744
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$400
+ Annual rewards
$744
- Annual fee
$120
Total first year value
$1024
Annual fees:
$120
Interest rates:
20.99% on purchases
22.99 on cash advances
2024 Winner – Best No Foreign Transaction Fees Credit Card for Long Stay Travellers and Best Credit Card for Subscriptions
Earn valuable rewards points on a wide variety of categories that you can redeem for travel, cash back and more
Details at a glance Collapse details

Apply for the Scotiabank®* Gold American Express® Card to earn up to 40,000 Scotia Rewards points. Earn 30,000 Scotia Rewards points when you spend at least $1,000 in the first three months and an additional 10,000 Scotia Rewards points when you spend at least $7,500 in the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $29
  • Earn five Scotia Rewards points for every $1 spent on eligible grocery, restaurant, fast food, food subscription and entertainment purchases.
  • Earn three Scotia Rewards points for every $1 spent on eligible gas and daily transit purchases and select streaming services.
  • Earn one Scotia Rewards point for every $1 spent on all other purchases.

This card also features complimentary concierge services and other travel-related benefits, including travel insurance, no foreign transaction fees, and the Best Price Guarantee on airfare through the Scotia Rewards Travel Service.

Offer expiry date: August 31, 2021

2. BMO eclipse Visa Infinite* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$450
+ Annual rewards
$546
- Annual fee (First Year Waived)
$0
Total first year value
$1046
BMO eclipse Visa Infinite* Card

card image
Welcome bonus
$450
BMO Rewards points
Annual rewards
$546
BMO Rewards points
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 23.99% on cash advances
Get a $50 CashSurge from RATESDOTCA
Designed for the lifestyle of the urban digital millennial
Details at a glance Collapse details
Welcome bonus
$450
Annual rewards
$546
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$450
+ Annual rewards
$546
- Annual fee (First Year Waived)
$0
Total first year value
$1046
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
23.99 on cash advances
Get a $50 CashSurge from RATESDOTCA
Designed for the lifestyle of the urban digital millennial
Details at a glance Collapse details

Apply for the BMO eclipse Visa Infinite* Card to earn up to 40,000 points. Earn 25,000 points when you spend at least $3,000 in the first three months and get another 15,000 points on your first anniversary. Plus, BMO will waive the annual fee for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn five points for every $1 spent on eligible grocery, gas, dining, and transit purchases.
  • Earn one point for every $1 spent on all other purchases.

Cardholders can earn 10% more rewards when they add an authorized user to the account. That means you can earn 5.5 points for every $1 spent on purchases like groceries and 1.1 points for every $1 spent everywhere else. Not only that, but this card also features a $50 annual lifestyle credit to spend however you like, including plants or patio stones so that you can be summer-ready on a budget.

This card provides travel insurance, mobile device insurance and exclusive Visa Infinite benefits.

Offer expiry date: October 31, 2021

3. BMO eclipse Visa Infinite Privilege* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$599
+ Annual rewards
$791
- Annual fee
$499
Total first year value
$891
BMO eclipse Visa Infinite Privilege* Card

card image
Welcome bonus
$599
BMO Rewards points
Annual rewards
$791
BMO Rewards points
Annual fees:
$499
Interest rates:
20.99% on purchases • 23.99% on cash advances
Exceptional travel perks - including 6 free lounge visit passes
Redeem points for travel or cashback, including "pay with points" on any purchase
Details at a glance Collapse details
Welcome bonus
$599
Annual rewards
$791
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$599
+ Annual rewards
$791
- Annual fee
$499
Total first year value
$891
Annual fees:
$499
Interest rates:
20.99% on purchases
23.99 on cash advances
Exceptional travel perks - including 6 free lounge visit passes
Redeem points for travel or cashback, including "pay with points" on any purchase
Details at a glance Collapse details

The BMO eclipse Visa Infinite Privilege* Card offers new cardholders up to 50,000 points in the first year. Earn 35,000 points when you spend at least $5,000 in the first three months and another 15,000 points on your anniversary.

Regular features and benefits of this card include:

  • Annual fee: $499
  • Annual fee for additional cards: $99
  • Earn five points for every $1 spent on eligible grocery, gas, travel, dining, and drugstore purchases.
  • Earn one point for every $1 spent on all other purchases.

Get 25% more rewards when you add an authorized user to the account. That means you can earn 6.25 points for every $1 spent on grocery purchases and 1.25 points for every $1 spent everywhere else. Also, get a $200 annual lifestyle credit to spend however you want, including new furniture, paint, and appliances.

This card features travel insurance, mobile device insurance and exclusive Visa Infinite Privilege benefits.

Offer expiry date: October 31, 2021

4. President’s Choice Financial® World Elite Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$456
- Annual fee
$0
Total first year value
$476
PC® World Elite Mastercard®

card image
Welcome bonus
$20
PC Optimum™ points
Annual rewards
$456
PC Optimum™ points
Annual fees:
$0
Interest rates:
21.99% on purchases • 22.97% on cash advances
2024 Winner – Best Family Credit Card for Gas and Groceries
Great card for fans of the PC Optimum™ rewards program looking to save even more on groceries
Details at a glance Collapse details
Welcome bonus
$20
Annual rewards
$456
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$456
- Annual fee
$0
Total first year value
$476
Annual fees:
$0
Interest rates:
21.99% on purchases
22.97 on cash advances
2024 Winner – Best Family Credit Card for Gas and Groceries
Great card for fans of the PC Optimum™ rewards program looking to save even more on groceries
Details at a glance Collapse details

Best of Finance winner: Best credit card for families for the second year in a row!

New cardholders of the President’s Choice Financial® World Elite Mastercard® can get 20,000 PC Optimum points after making their first purchase.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Get 30 points for every $1 spent at President’s Choice stores, including Loblaws, Real Canadian Superstore, Independent, Zehrs and No Frills.
  • Get 45 points for every $1 spent at Shoppers Drug Mart.
  • Get at least 30 points per litre at participating Esso and Mobil gas stations.
  • Get 30 points for every $1 spent through the PC Travel Service.
  • Get 10 points for every $1 spent everywhere else.

As the top card in the PC Financial line, the President’s Choice Financial® World Elite Mastercard® has the most to offer. Get free cards for authorized users, travel emergency medical insurance, car rental collision insurance, concierge service and identity theft assistance.

Offer expiry date: N/A subject to change without notice

5. President’s Choice Financial®World Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$378
- Annual fee
$0
Total first year value
$398
President's Choice Financial®World Mastercard®

card image
Welcome bonus
$20
PC Optimum™ points
Annual rewards
$378
PC Optimum™ points
Annual fees:
$0
Interest rates:
21.99% on purchases • 22.97% on cash advances
A no fee card for those looking to maximize their grocery savings
Some insurance included
Details at a glance Collapse details
Welcome bonus
$20
Annual rewards
$378
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$378
- Annual fee
$0
Total first year value
$398
Annual fees:
$0
Interest rates:
21.99% on purchases
22.97 on cash advances
A no fee card for those looking to maximize their grocery savings
Some insurance included
Details at a glance Collapse details

Get 20,000 PC Optimum points after making your first purchase with the President’s Choice Financial®World Mastercard®.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Get 20 points for every $1 spent at President’s Choice stores, including Loblaws, Real Canadian Superstore, Independent, Zehrs and No Frills.
  • Get 35 points for every $1 spent at Shoppers Drug Mart.
  • Get at least 30 points per litre at participating Esso and Mobil gas stations.
  • Get 20 points for every $1 spent through the PC Travel Service.
  • Get 10 points for every $1 spent everywhere else.

Get free cards for authorized users and earn more rewards as a family. This card also features concierge services and basic shopping coverage.

Offer expiry date: N/A subject to change without notice

6. President’s Choice Financial® Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$300
- Annual fee
$0
Total first year value
$320
PC® Mastercard®

card image
Welcome bonus
$20
PC Optimum™ points
Annual rewards
$300
PC Optimum™ points
Annual fees:
$0
Interest rates:
21.99% on purchases • 22.97% on cash advances
Free and easy card for fans of PC Optimum™ Program
Some insurance included
Details at a glance Collapse details
Welcome bonus
$20
Annual rewards
$300
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$300
- Annual fee
$0
Total first year value
$320
Annual fees:
$0
Interest rates:
21.99% on purchases
22.97 on cash advances
Free and easy card for fans of PC Optimum™ Program
Some insurance included
Details at a glance Collapse details

Apply for the President’s Choice Financial® Mastercard® and get 20,000 PC Optimum points after making your first purchase.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Get 10 points for every $1 spent at President’s Choice stores, including Loblaws, Real Canadian Superstore, Independent, Zehrs and No Frills.
  • Get 25 points for every $1 spent at Shoppers Drug Mart.
  • Get at least 30 points per litre at participating Esso and Mobil gas stations.
  • Get 20 points for every $1 spent through the PC Travel Service.
  • Get 10 points for every $1 spent everywhere else.

Get free cards for authorized users and access basic shopping coverage with this card.

Offer expiry date: N/A subject to change without notice

7. Triangle™ Mastercard®

The Triangle™ Mastercard® offers CT Money® for all purchases made using the card. Cardholders can also access no fee, no interest financing on qualifying purchases of $150 or more to make big payments more manageable.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 4% back in CT Money® for every $1 spent at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere and Party City stores.
  • Earn 1.5% back in CT Money® for every $1 spent on groceries, up to $12,000 in purchases a year, excluding Costco and Walmart.
  • Earn five cents back in CT Money® per litre on all fuel types at Gas+ and participating Husky stations.
  • Earn 0.8% back in CT Money® on all other purchases made on the card.

Access personalized offers as a Triangle Rewards member. Plus, get easy no-receipt returns at participating stores.

These annual interest rates are not applicable for residents of Quebec. For residents of Quebec, please click here.

Offer expiry date: No current offer at this time

8. Tangerine Money-Back Credit Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Tangerine Money-Back Credit Card

card image
Welcome bonus
$100
Money-Back Rewards
Annual rewards
$309
Money-Back Rewards
Annual fees:
$0
Interest rates:
19.95% on purchases • 19.95% on cash advances
2024 Winner – Best Student Credit Card
Flexible no-fee card with ability to choose what categories earns you the most cash back
Details at a glance Collapse details
Welcome bonus
$100
Annual rewards
$309
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Annual fees:
$0
Interest rates:
19.95% on purchases
19.95 on cash advances
2024 Winner – Best Student Credit Card
Flexible no-fee card with ability to choose what categories earns you the most cash back
Details at a glance Collapse details

The Tangerine Money-Back Credit Card offers a 1.95% introductory interest rate on balance transfers made within 30 days for six months. A 1% balance transfer fee does apply.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 2% cash back in up to three Money-Back Categories of your choice out of 10 options, including but not limited to furniture, home improvement and groceries. Start with two categories and earn the third when you deposit your rewards into a Tangerine Savings Account.
  • Earn 0.50% back on all other purchases.

This card also offers free cards for authorized users to earn cash back faster as a family.

Offer expiry date: N/A subject to change without notice

9. Tangerine World Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Tangerine World Mastercard®

card image
Welcome bonus
$100
Money-Back Rewards
Annual rewards
$309
Money-Back Rewards
Annual fees:
$0
Interest rates:
19.95% on purchases • 19.95% on cash advances
2024 Winner – Best No-Fee Cash Back Credit Card
Flexible no-fee card with ability to choose what categories earns you the most cash back
Details at a glance Collapse details
Welcome bonus
$100
Annual rewards
$309
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Annual fees:
$0
Interest rates:
19.95% on purchases
19.95 on cash advances
2024 Winner – Best No-Fee Cash Back Credit Card
Flexible no-fee card with ability to choose what categories earns you the most cash back
Details at a glance Collapse details

The Tangerine World Mastercard® offers a 1.95% promotional interest rate on balance transfers made within 30 days of opening the account for six months. A 1% balance transfer fee does apply.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 2% cash back in up to three categories of your choice. Start with two Money-Back Categories and earn the third when you deposit your rewards into a Tangerine Savings Account. Money-Back Categories include grocery, furniture, restaurants, hotel-motel, gas, recurring bill payments, drugstore, home improvements, entertainment, and public transportation and parking.
  • Earn 0.50% cash back on all other purchases.

This card also features basic travel benefits like rental car collision insurance, Boingo Wi-Fi for Mastercard®* and Mastercard® Airport Experiences Provided by LoungeKey for discounts and offers. Other perks include mobile device insurance.

Offer expiry date: N/A subject to change without notice

10. Walmart Mastercard®

The Walmart Mastercard® offers a welcome bonus of up to $25. Get $15 in Walmart Reward Dollars when you make two qualifying purchases using your card: one purchase at a Walmart store in Canada or online at Walmart.ca and another purchase anywhere Mastercard® is accepted. Both purchases must be made within 30 days of opening the account. Cardholders can get another $10 in Walmart Reward Dollars when they sign up for electronic statements.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 1.25% in Walmart Reward Dollars for every $1 spent online at Walmart.ca or in-store at Walmart locations in Canada.
  • Earn 1% in Walmart Reward Dollars for every $1 spent on all other purchases.

Redeem rewards when you have a Walmart Rewards balance of as little as $5 and choose from thousands of items in-store and online.

Offer expiry date: May 30, 2021, and may be extended

Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, June 10, 2021. Read our full disclaimer.

Hayley Osmond

Hayley Osmond is an editor and writer in the personal finance space, where she uses her eight years of media and marketing experience to bring content to life. She specializes in money products, including mortgages, home and auto insurance, and credit cards. Hayley holds a Broadcast Journalism diploma from Sheridan College and was awarded the Shaw Media Journalism and Media Award for graduating at the top of her class. Her work has appeared in Global News and diverse digital corporate training materials behind the scenes.

Hayley is passionate about making complex subjects, such as home buying and financial literacy, concise and intriguing. Her work has garnered media coverage from The Globe and Mail, blogTO, Yahoo! News, and CityNews 680 and has been syndicated across other publications.

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