The Home Improvement gift card


Is this the next big thing?  Probably not, but it has its uses… 

$500 Home Improvement Gift Card

When Office Depot recently stopped selling $500 Visa cards, the hunt was on to find the next big “5X everywhere” opportunity (see “In search of the next big thing“).  At first blush, the Home Improvement gift card looked like it might fit the bill.

The Home Improvement gift card is intended for use at stores like Lowes, Home Depot, and Sears.  It can be found at Office Depot, so its possible to earn 5 points per dollar when buying these (by paying with a card that earns 5X at office supply stores…  see “Best Category Bonuses“).  The card can be loaded up to $500 and, unlike Visa gift cards, it has no fees.  Most intriguingly, it is treated as a Discover card at stores that accept it for payment.

I’ve been doing experiments with this card myself, but I’ve also heard from several readers who have done their own experiments.  Here is what we’ve found so far…

Use the card at non-sanctioned merchants?

The Home Improvement card has a web site that can be used to search for retailers that accept the card (see this page).  Many of us have wondered if the card can be used elsewhere.  Since it acts like a Discover card, can it be used anywhere a Discover card is accepted?  Unfortunately, the answer seems to be no.  At every non-sanctioned place we’ve tried, the payment has been declined.  Even Lands’ End, which is owned by Sears, was unable to process the card for payment (it works fine at Sears, though).


For several months, the MyPoints portal offered 50 points per dollar when shopping at OpenSky from their portal.  Surprisingly, OpenSky is one of the vendors that accept the Home Improvement card.  So, I found that it was possible to double dip when making OpenSky purchases: first buy the Home Improvement card with a Chase Ink card for 5X, then go through a portal to OpenSky and pay with the Home Improvement card.  Its nice that this works, but now that no one is offering 50X at OpenSky, it’s hardly worth the effort.

Sears Triple Dip

Here’s a nice opportunity that worked successfully in my tests:

  1. Buy the Home Improvement card and pay with a Chase Ink card.  Earn 5X.
  2. Go through the Ultimate Rewards Mall to and buy a Sears physical gift card.  Pay with the Home Improvement card.  Earn 5X (or whatever the current bonus rate is through the Ultimate Rewards Mall).
  3. Go through the Ultimate Rewards Mall again to and buy merchandise.  Pay with Sears’ gift cards.  Earn 5X (or whatever…)

Through this triple dip, its possible to consistently earn about 15 points per dollar (depending on current Ultimate Rewards Mall rates) for Sears’ purchases.  One big gotcha: Sears puts a $1 hold on the Home Improvement card to verify it, so you may not be able to completely drain the Home Improvement card this way.  You will find, for example, that a $500 purchase (using a $500 Home Improvement card) will be denied, but a $499 purchase should go through.

Lowes / Home Depot

While I haven’t tried it, a simple double dip should be possible at either of these merchants.  First, buy the Home Improvement card for 5X, then go through an online portal to Lowes or Home Depot to place your order and pay with the Home Improvement card.  While I fully expect that this would work, its not really any better than just buying a specific Lowes or Home Depot gift card at an office supply store.  A better option would be if a triple dip worked (like with Sears).  I haven’t tested this yet, but it doesn’t look promising.  Past reader reports have said that Home Depot and Lowes do not pay portal points or cash back when buying their gift cards online.  If anyone tries this again, though, please let me know how it turns out!

Buy gift cards at Lowes

Lowes stores have huge gift card racks.  I’ve successfully bought a gift card (a Shell gas card) at Lowes and I paid with the Home Improvement card.  This isn’t any better than just buying gift cards directly at an office supply store,  but it could be a good option if the particular card(s) you want are only available at Lowes.  In my case, I did find a better selection of gas cards at Lowes than at any of the office supply stores I looked at.  Sadly, Lowes does not carry $500 prepaid cards.

Find interesting sanctioned merchants

Are there any merchants that accept the Home Improvement cards and also carry $500 prepaid cards?  If so, that would be a big win, but I have yet to find any.  How about you?  Any luck in your hunt?

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Greg The Frequent Miler
Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.
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TravelerMSY: Yeah, it doesn’t seem to work anymore


Consistently getting “error 506” when trying to buy Lowes GC at using HIGC. A call to Lowes revealed that 506 is “unable to authorize payment.”


I bet alot of people wish they missed the boat on that one. Some people were stuck with alot of those that they had a hard time getting rid of. Glad you were able to get the information you needed from that link. You will be well in this game if you like to read and absorb information.


Thanks for the link Steven. I guess I missed the boat on that one! Still with some clever bill paying, I am at 10% for the purchase. Not bad for a newbie!!


Hi there! Can you please help me? I bought 2 – $500 Home Improvement cards, and am trying to go through a portal to buy Lowe’s GC. I’ve tried Barclay, UR, shop Discover, and Sears. None of them will let me check out with my Home Improvement card! I have tried buying one at a time, buying only $499… I intend to make a big Lowe’s purchase (new windows – YAY!) and really want to maximize points. Any advice would be greatly appreciated! Thank you! 🙂

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RH: I’m not qualified to judge your mental state, but regarding the HI website, I saw the same problem. I guess they haven’t fixed it yet.


Am I crazy or is it no longer possible to see or search the list of merchants where this card can be used?


Randy: No, Lowe’s won’t let you use a Lowe’s gift card to buy another gift card. If you pay with a Visa/MasterCard/Amex gift card, then yes you should get points.


Can you go through the Ultimate Rewards Mall, and when payment time comes use a Lowe’s debit card to buy another Lowe’s debit card? Will you get Chase points? The Chase website claims you won’t get any points unless you pay by using your Chase card. The author here says you will in fact get Chase points by paying with the Home Improvement card. I am wondering if you can get Chase points, when you pay with other gift cards.

[…] may be an alternative to the short lived Home Improvement card frenzy of late, […]

[…] Miler has more information on the Home Improvement card.  In short, the Home Improvement card is a gift card which you are supposed to use at home […]

[…] others. It’s a very useful gift card in itself, and is a Discover card. Frequent Miler wrote about it previously here, but at that time it did not have the new feature I’m about to […]