Houzz Credit Card Review: Closed to New Applicants in 2026

If you came here ready to apply for a Houzz Credit Card to finance a kitchen remodel, here is the news up front: as of June 2026 the Houzz Credit Card and Houzz Mastercard are no longer accepting new applicants. Existing accounts can still be managed, but the application door is closed.

This review covers what the card offered, the terms current holders still live under, and the open-loop options worth applying for instead. Figures reflect Comenity's disclosures as of June 2026.

Key facts at a glance

What the Houzz Credit Card was

The Houzz card came in two forms, both issued by Comenity Capital Bank, part of Bread Financial. There was a private-label store card usable on Houzz, and a Houzz Mastercard that worked anywhere Mastercard is accepted.

The draw was financing for furniture, fixtures, and home-improvement projects bought through Houzz. The store card centered on deferred-interest promotions rather than ongoing cash-back rewards.

Because the program no longer accepts applications, new shoppers cannot get either version today. That makes the practical question not whether to apply, but what to use instead.

For an open-loop card you can actually get approved for and use anywhere, the Aspire Mastercard is a strong starting point. It is unsecured with no deposit, lets you prequalify for up to $1,000, accepts applicants from around 580 FICO, pays up to 3% cash back, and reports to all three bureaus.

The old APR and fees, for current holders

If you still hold a Houzz account, the terms remain in force. The purchase APR is 35.99% on both the store card and the Houzz Mastercard as of June 2026.

The Mastercard version carries a 26.99% APR on balance transfers and 35.99% on cash advances. There is no annual fee on either card, and the minimum interest charge is $3.00 when interest is owed.

A 35.99% rate is steep. For existing holders the safest move is paying the full statement balance each month so that high APR never touches your spending.

How the deferred-interest financing worked

The Houzz card's signature feature was deferred-interest financing. Buy a single item of $350 or more and pay no interest if you clear it within 6 months; spend $700 or more and get 12 months.

The deferred-interest catch is the same one on every Comenity store plan. If any balance remains at the end of the promo term, interest is charged back to the original purchase date at the 35.99% APR.

Minimum payments alone may not pay off the balance in time. Current holders should divide the financed amount by the number of promo months and pay at least that much each cycle.

For new shoppers who want to spread a home purchase across paychecks without a deferred-interest trap, Perpay is a cleaner option. It is paycheck-powered with no deposit and no credit check, splits purchases into automatic payroll deductions, pays 2% rewards, and reports to help build credit, averaging a reported gain of about 30 points.

Credit reporting and what it meant

While the program was open, approval landed in the fair-to-good range and Comenity reviewed your full credit profile. The Houzz Mastercard variant generally required stronger credit than the store-only card.

The accounts report to Experian, Equifax, and TransUnion. That is still true for existing holders, so on-time payments may help your credit and late payments can hurt it.

If you are closing out an old Houzz account, keeping it paid and in good standing until then protects the payment history already on your file.

What to do instead in 2026

With the Houzz card closed, your realistic paths are a general-purpose rewards card, a pay-over-time service for big home purchases, or building credit so you qualify for better cards.

A card you can use at any home retailer beats one locked to a single platform, especially when that platform no longer issues new cards. Open-loop cash back follows you everywhere.

If the bigger goal is qualifying for stronger cards and lower rates, a starter card that reports to all three bureaus is the smarter foundation. The Self Visa pairs a small installment account with a secured credit card so you build payment history and a credit line before applying for premium financing.

Frequently Asked Questions

Can I still apply for the Houzz Credit Card in 2026?

No. As of June 2026 the Houzz Credit Card and Houzz Mastercard, both issued by Comenity Capital Bank, are no longer accepting new applicants. Existing cardholders can still manage their accounts, but new applications are closed.

Who issued the Houzz Credit Card?

Both the Houzz store card and the Houzz Mastercard were issued by Comenity Capital Bank, part of Bread Financial. The store card worked only on Houzz, while the Mastercard version could be used anywhere Mastercard is accepted.

What was the APR on the Houzz Credit Card?

The purchase APR is 35.99% for current holders as of June 2026. The Houzz Mastercard also charges 26.99% on balance transfers and 35.99% on cash advances. Promotional financing used deferred interest, so unpaid promo balances are charged interest back to the purchase date. APRs vary by creditworthiness.

What can I use instead of the Houzz Credit Card?

Since the Houzz card is closed to new applicants, a general-purpose rewards card you can use at any home retailer is usually the better choice. Pay-over-time services and credit-building starter cards that report to all three bureaus are also worth considering depending on your goal.