Best Credit Cards to Pay a Handyman in 2026

There’s always something to tackle as a homeowner. Every homeowner can tell you about a repair project that seemingly came out of nowhere or their growing to-do list of maintenance projects.

Hiring a handyman can help, but costs can add up fast. Even small jobs can cost hundreds of dollars, while you might easily spend thousands on bigger projects.

Believe it or not, some handymen and home repair companies accept credit cards. If your handyman accepts credit cards, the right card can help improve cash flow, provide affordable financing when needed or earn rewards to help offset the cost.

These are three of the best Aven credit cards for paying a handyman.

Best credit card for homeowners: Aven Home Equity Card

The Aven Home Equity Card¹ gives homeowners access to a line of credit backed by their home equity. Unlike traditional rewards credit cards, it was created exclusively for homeowners.

The card offers unlimited 2% cash back on purchases, including handyman services when your contractor accepts credit card payments. (See cash back terms and conditions. Some restrictions apply.)

The Aven Home Equity Card can provide lower interest rates than many personal loans or credit cards because it is backed by home equity. For homeowners who occasionally have large repair bills, this more affordable financing option can be just as important as rewards.

You may want to consider the Aven Home Equity Card if you are a:

Homeowner who regularly hires handymen, service providers or home repair companies
Person dealing with unexpected repairs or home improvement projects
Homeowner who wants to preserve emergency savings
Someone who might need to carry a credit card balance occasionally

Best credit card for everyday use: Aven Rewards Visa Card

Many homeowners hire a handyman throughout the year for routine projects such as painting, installing light fixtures, repairing drywall, assembling furniture or handling seasonal maintenance. The Aven Rewards Visa Card² can help homeowners earn cash back on these projects.

The card currently offers 3% cash back on purchases for the first $10,000 in annual spending, including eligible handyman payments. After that, cardholders earn unlimited 2% cash back. (See cash back terms and conditions. Some restrictions apply.)

Many homeowners just want a rewards card that is easy to use. There are no categories or activation requirements to keep track of, making the Aven Rewards Visa Card an easy go-to card for these projects.

The Aven Rewards Visa Card may be worth a closer look if you are a:

Homeowner with relatively small or simple home maintenance project
Someone who pays your credit card balances in full each month
Homeowner looking to earn rewards on your handyman and home-repair bills

Best credit card for bitcoin holders: Aven Bitcoin Visa Card

Many bitcoin holders don’t want to sell their digital assets to cover a short-term expense, such as a home repair, renovation project or handyman payment.

The Aven Bitcoin Visa Card gives homeowners another option. Instead of selling bitcoin to pay a repair bill, they can borrow against their holdings while maintaining their long-term investment strategy.

The card is a bitcoin-backed line of credit. Cardholders can convert a draw from the line of credit into a balance transfer or cash-out with a fixed-rate, fixed-term plan of up to 10 years. There is also an interest-only fixed-term, fixed-rate plan with full principal due at maturity for up to five years available. (A fee applies for cash-outs or balance transfers.)³

The Aven Bitcoin Visa Card also offers unlimited 2% cash back on purchases. (See cash back terms and conditions. Some restrictions apply.)

For homeowners who have bitcoin, the card can be particularly useful for an emergency repair or when a big expense can’t wait. It can provide liquidity without having to sell bitcoin, even in unfavorable market conditions.

The Aven Bitcoin Visa Card is designed for:

Long-term bitcoin holders who own a home
Homeowners facing unexpected repairs or maintenance expenses
Investors who want more liquidity or flexibility as they manage a large household project
People who want to maintain their bitcoin exposure

Can you pay a handyman with a credit card?

Sometimes. Some handymen, repair technicians and home repair companies accept credit cards. They might send you an invoice or have a payment processor that accepts credit card payments.

Do handymen charge extra for credit card payments?

Sometimes. Some handymen, contractors and home repair companies charge a credit card processing or convenience fee for credit card payments.

Should you pay a handyman with a credit card?

Many homeowners like the flexibility of paying a handyman with a credit card. They might not have cash for the big purchase, want to earn cash back or other rewards, or need a financing option to help them manage the expense.

What home repairs can you pay with a credit card?

Homeowners can sometimes use a credit card to pay for plumbing work, electrical work, drywall repairs, painting projects, appliance installation and other general home maintenance.

Before hiring a handyman, ask which payment methods they accept and whether you can pay with your credit card.

Can you earn cash back when paying a handyman?

Yes. If the handyman or home repair company accepts credit cards and the payment is processed as an eligible purchase, you can earn cash back or rewards. Check your card’s terms and conditions for more details.

Is it better to pay with cash or use a credit card for home repairs?

Many handymen, contractors and home repair companies might prefer cash to avoid payment processing fees.

However, many homeowners pay with a credit card to earn rewards, spread out the cost of a big invoice or when they need help financing a larger repair. The best option depends on your financial situation and goals.

How do you pay for an unexpected home repair?

Some common payment options for home repairs and household projects are credit cards, emergency savings, personal loans, home equity lines of credit or home equity loans.

When you’re looking for a handyman or comparing home repair companies, it may be worth asking whether they have financing options available.

The bottom line

Home repairs and maintenance are unavoidable, but Aven’s credit cards can help you get more value from your handyman bill. Whether you’re dealing with an unexpected repair or catching up on some much-needed maintenance, the right credit card can make it easier to manage the cost, provide access to liquidity when money is tight or reward you with some cash back.

This article is for educational purposes only and is not intended to be used as financial, credit or legal advice. It does not constitute an offer for any product.

Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.

Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

For licensing information, go to www.nmlsconsumeraccess.org

¹ Aven Home Equity Card is a home equity line of credit featuring fixed rate plans and a variable rate revolving line of credit, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section ("Index") plus a margin that takes into account your creditworthiness, collateral value, etc. The Index as of June 17th, 2026, was 6.75%. The APR will not exceed 14.99%. Best rates for most qualified borrowers on primary residences. Headline rate available for credit limits of $175,000 or less. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Based on your property's location, there may be recording fees and in-person signing costs, including attorney fees. You are responsible for all recording fees and in-person signing costs, including attorney fees. See Pricing & Terms for details. Terms are subject to change.

If your Aven account is refinancing an existing lien, there is a fee of 2.5% of the total payoff amount of the existing lien. Your account may not be activated until the holder of your existing lien acknowledges receipt of your payoff amount.

Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions.

² Aven Rewards Card features a revolving line of credit and may have fixed rate plans, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section (“Index”) plus a margin that takes into account your creditworthiness. The Index as of June 17th, 2026, was 6.75%. Best rates for most qualified borrowers. The APR will not exceed 36%. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For initial cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Subsequent cash outs and balance transfers have a 2.5% fee on the amount transferred. See Pricing & Terms for details. Terms are subject to change. Account activation is subject to income and ID verification.

³ Aven Bitcoin Card is a variable rate revolving line of credit with fixed-rate, fixed-term plans, or interest only plans to certain applicants, each with its own annual percentage rate (“APR”). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section (“Index”) plus a margin. The margin is determined based on multiple factors, including the loan-to-value ratio you select at the time of account creation. The Index as of June 17th, 2026, was 6.75%. The APR will not exceed 14.99%. The fixed APR for a fixed-term loan (aka Aven Simple Loan) is based on your variable APR and other factors, including the loan-to-value ratio you select at the time of account creation. The APR for either of these plans are fixed for the term of the plan. For cash outs and balance transfers, there is a 1% fee on the amount transferred.

A 2% liquidation fee applies in a full liquidation. See Pricing & Terms for details. Terms are subject to change.

Coastal Community Bank is not the issuer or custodian of bitcoin. Bitcoin is not FDIC insured.

The price of bitcoin can change. Bitcoin-backed loans carry risks, including the potential for liquidation if collateral values change because of market volatility.