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The best choice for you is general rewards credit cards. They typically come with a 0% intro APR on purchases, allow earning worthwhile rewards for all purchases, including Home Depot, and give flexible redemption options. For example, if your credit score is excellent, pay attention to the Citi Rewards+ Card (Citi is a Credit-Land.com advertising partner). This card will allow you to earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter, plus 1X Points on all other purchases. What is more, you can get 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. In addition, the Citi card comes with a $0 annual fee and 0% Intro APR on purchases for 15 months.