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The best choice for you is general rewards credit cards. They may come with low intro APRs on purchases, allow earning worthwhile rewards for all purchases, including Home Depot purchases, and give flexible redemption options. For example, if your credit score is excellent, pay attention to the Scotia Momentum® Visa Infinite* Card.

This card will allow you to earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases, 2% for every $1 you spend on gas purchases and daily transit purchases, plus 1% cash back on all other purchases with no cash back limit. What is more, you can earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). In addition, the Scotia Momentum® Visa Infinite* Card comes with a $0 annual fee in the first year and 2.99% Intro APR on purchases for the first 6 months (when the introductory period ends, a variable go-to APR will apply).