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Houzz Mastercard® card

Houzz Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Regular purchase APR
33.24% variable based on the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Houzz Mastercard® Credit Card can be a good option for consumers who like to shop on this home decorating and design retail website. It allows cardholders to earn rewards credits that they can use towards future Houzz purchases. New cardholders can also earn up to $100 in rewards. What’s more, there’s no annual fee to pay for using this card. Keep reading to learn more.

Our review of the Houzz Mastercard®

Houzz is a popular website for all your home decorating and remodeling needs. From furniture to fixtures, you can find everything you need on this site. The Houzz Mastercard credit card allows shoppers to earn credits on their purchases that can be used on the website.

New Cardholders Earn Bonus Rewards

New cardholders can earn a $50 rewards credit bonus when they sign up for the Houzz Mastercard and make a purchase on the website. Additionally, they can earn an extra $50 credit by spending $500 anywhere else within the first 90 days of opening an account. This bonus is on top of the regular 1% back on non-Houzz purchases, totaling approximately $55 if spending requirements are met within the first three months.

Earn Houzz Rewards on All Purchases

With the Houzz Mastercard, cardholders can earn credits on almost all their purchases. These credits can be used to shop on the Houzz website for a variety of home furnishings and remodeling items. Earn 5% back on Houzz purchases and 1% back on all other purchases made with the card.

Limited Redemption Options

While rewards with the Houzz credit card are great, there are some limitations. Rewards are issued as certificates once enough points are earned to qualify for $25 in rewards. Rewards expire 90 days from the date they are issued and are non-transferrable. It is essential to use your credits before they expire.

Rewards Differ Depending on Card Type

The Houzz Mastercard offers additional rewards outside of Houzz, including 1% cash back on all eligible purchases. Compare the Houzz Mastercard to the Houzz Credit Card to see which one best suits your needs.

No Fees and Mastercard Benefits

There is no annual fee for the Houzz Mastercard, and it does not charge foreign transaction fees. Cardholders can enjoy the benefits of a Mastercard, including shopping protection benefits, ID Theft Protection™, travel assistance, and more. Mastercard also offers periodic promotions to card members.

Should You Apply to the Houzz Mastercard?

The Houzz Mastercard is a great option for those who frequently shop on Houzz or plan to make purchases on the site. However, if you are not a regular Houzz shopper or are looking for lower interest rates, it may not be the best fit for you. Explore other card offers before making a decision.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • $50 welcome reward when you use your card on Houzz
  • 5% Rewards on Houzz purchases and 1% on all other purchases
  • Additional $50 Houzz Reward when you spend $500 in the first 90 days

Who this card may suit

  • You shop for home design products and services on Houzz
  • You want to earn Houzz rewards credits when you use your credit card
  • You don’t want to pay an annual fee
  • You don’t want to pay a foreign transaction fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR33.24% variable based on the Prime Rate
Balance Transfer APR26.99%
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR34.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty FeeUp to $41
Return Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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Houzz Mastercard®

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