5 Issues to Know Concerning the Houzz Credit score Playing cards

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Houzz (pronounced “howz”) gives a one-stop store for owners trying to make enhancements: It gives photogenic inspiration, sells all the pieces from rest room vanities to rugs, and connects you to professionals who can take in your challenge. And now, it additionally gives bank cards.

Issued by Comenity Capital Financial institution, the $Zero-annual-fee Houzz Mastercard and Houzz Credit score Card include barely totally different advantages which can be most helpful to individuals who plan to spend some huge cash on the location. Listed below are 5 issues you need to know concerning the playing cards.

» MORE: NerdWallet’s greatest bank cards for brand new owners

1. Each playing cards earn 5% again on Houzz purchases …

With each playing cards, you’ll snag 5% again in Houzz “Reward Dollars” for each buy on Houzz.com.

With the Houzz Mastercard, you additionally earn 1% again for all different spending exterior Houzz. (The Houzz Credit score Card can be utilized solely at Houzz.)

» MORE: NerdWallet’s greatest retailer bank cards

2. … However rewards are redeemable solely towards Houzz purchases

Incomes 5% again in rewards may be good for Houzz loyalists, however there’s not a number of flexibility with these rewards.

Reward Dollars submit to your account every month, and you may redeem them for Reward Certificates, that are issued in $25 increments. These certificates can solely be put towards purchases at Houzz, and you may’t use multiple certificates per buy — nor are you able to mix or “stack” them with different reductions.

Plus, Reward Certificates expire 90 days from the date they’re issued.

Even big Houzz followers would possibly do higher with a basic cash-back bank card that earns a excessive flat charge again on all purchases, has no minimal redemption threshold and allows you to use your rewards towards no matter you need.

» MORE: NerdWallet’s greatest bank cards for on-line procuring

three. Each playing cards include a sign-up bonus

With each the Houzz Mastercard and the Houzz Credit score Card, you earn a $50 welcome reward in Houzz Reward Dollars after you open and use your card on Houzz.

With the Houzz Mastercard, you earn an extra $50 in Houzz Reward Dollars when you spend $500 in your card exterior of Houzz inside the first 90 days of opening your account.

» MORE: NerdWallet’s greatest bank card bonuses accessible now

four. You’ll be able to entry your credit score line immediately

Sometimes, when you’re accepted for a bank card, it’s important to wait a number of days for the bodily card to reach within the mail earlier than you can begin utilizing it. Not so with the Houzz Mastercard and Houzz Credit score Card. When you’re accepted, a brief account quantity can be despatched to you electronically, which means you can begin utilizing your card instantly.

» MORE: Bank cards you need to use immediately after approval

5. The Houzz Credit score Card gives particular financing

In contrast to the Houzz Mastercard, the Houzz Credit score Card gives deferred-interest financing:

Should you purchase a single merchandise price $350 together with your Houzz Credit score Card, you’ll pay no curiosity when you pay it off inside six months.
If you buy a single merchandise price $700, then you definitely pay no curiosity when you pay it off inside 12 months.

Needless to say these usually are not true Zero% intro APR gives, however reasonably deferred curiosity promotions. Should you don’t repay the complete quantity earlier than the promotional interval ends, you’ll owe curiosity ranging from the acquisition date.

» MORE: NerdWallet’s greatest bank cards for the suburbs

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