Houzz Mastercard® Review: Pros, Cons, and What to Know

Houzz Mastercard Review
The Houzz Mastercard earns up to 5% back in Houzz dollars on select purchases, and 1% on everything else. But be careful, rewards expire after 90-days.
  • Annual Fee:
  • Regular APR:
    24.99% Variable
  • Recommended Credit Score:
    Good to Excellent

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The Houzz Mastercard is a store credit card that allows users to earn everyday rewards on purchases.

Those who travel and shop on Houzz frequently will fall in love with this card as there is no foreign transaction fee, and you can earn up to 5% back in Houzz Rewards Dollars on every Houzz purchase.

It is perfect for those who shop at Houzz as there are quite a few perks for shopping with the card.

Moreover, because Houzz partnered with Mastercard, the credit card comes with several exclusive perks, including extended warranties, extended refund and return windows, promotions, and access to presale events. But is that all?

Keep reading our Houzz Mastercard Review to see if this store credit card is worth it and how it compares to other cards.

Houzz Mastercard® Pros and Cons


  • $50 Sign-Up Bonus when you open an account and make an initial purchase ($50 when you shop on the Houzz website, and an additional $50 bonus when you make purchases outside of Houzz).
  • Earn up to 5% back in Houzz reward dollars on every Houzz Purchase
  • 24/7 customer support.
  • No Annual Fee
  • No Foreign Transaction Fee
  • Mastercard Member Benefits


  • Rewards have a limited window (only 90 days from the date they are issued) to be used.
  • APR is higher than other leading Store Credit Cards.
  • Houzz Rewards Dollars and can only be used on Houzz Purchases.

What is the Houzz Mastercard®?

The Houzz Mastercard is a credit card designed for consumers who shop monthly on Houzz. With lucrative cash back rewards and low fees, this card is easy to use and manage.

It is important to note that the rewards you earn can only be used on Houzz purchases, making this credit card restrictive.

How Does the Houzz Mastercard® work?

The Houzz Mastercard® works like any other normal rewards credit card. Thanks to its partnership with Mastercard, the card is accepted nationwide, earns up to 5% in Houzz Dollars on select purchases, and has no annual/foreign transaction fees.

Again, this card should only be considered if you use Houzz to buy any household goods. Otherwise, you are better off going with the Chase Sapphire Preferred® or the Discover it® Cash Back.

Houzz Mastercard® Review

  • Annual Fee: $0
  • Regular APR: 24.99% Fixed 
  • Recommended Credit Score: 660 or Higher

Houzz Mastercard® Rewards

Earning rewards

With the Houzz Mastercard, you will earn 5% in Houzz reward dollars for every purchase spent on Houzz and 1% on all other purchases.

These rewards can then be used on your next Houzz purchases, saving you money next time.

Redeeming rewards

Redeeming your Houzz rewards is straightforward. Each month, Houzz will issue a reward certificate along with your monthly billing statement. This certificate can be viewed online and applied to your next purchases.

These rewards certificates are issued in $25 increments, and only one certificate can be used for each purchase. Again, just another minor detail that makes this credit card restrictive.

Houzz Mastercard® Features and Benefits

No Annual Fee

One this we love about the Houzz Mastercard® is how there is no annual fee. The card is light in your pocket and on your bank account.

$50 Welcome Bonus

You will have two options to receive the $50 welcome bonus. The first $50 is earned when you make your first Houzz purchase with the card. The second $50 welcome bonus is earned when you spend $500 within the first 90-days of opening the account.

Enjoy 5% Back in Houzz Rewards

Whenever you use your Houzz Mastercard® for a Houzz.com purchase, you will earn 5% in Houzz rewards dollars. This rewards rate is hard to find elsewhere, especially for a retail credit card.

In comparison, the Costco Anywhere Visa® Card by Citi only earns up to 4% cash back. Similarly, the Home Depot Consumer Credit Card earns no rewards.

What are the requirements for the Houzz Mastercard®?

There are certain requirements for applying for the Houzz Mastercard.

  • You must be at the age of majority in your state or territory.
  • Have a valid photo ID issued by the government and a social security number.
  • Have a valid postal address (not a PO Box).
  • Further requirements are specific for residents of California, Ohio, New York, Rhode Island, Vermont, and Wisconsin.
  • You will need to supply your credit history

How does the Houzz Mastercard® compare to other store cards?

The main difference between the Houzz Mastercard® and other store credit cards is how restrictive this card is when compared. For starters, rewards can only be used on qualifying Houzz purchases.

Want to use your rewards on your next Amazonor Walmart purchase? Good luck, you’ll need another credit card to do that.

#1.Houzz Mastercard® vs. Capital One® Walmart Rewards® Mastercard

The Houzz Mastercard® and the Capital One® Walmart Rewards® are store credit cards that allow customers to earn lucrative rewards on every purchase.

Both cards come with no annual fee, no foreign transaction fee, and earn up to 5% back in rewards. That said, the Capital One® Walmart Rewards® Mastercard is far more versatile. Rewards do not expire, and you can use them for travel or as a statement credit.

#2. Houzz Mastercard® vs. Amazon Prime Rewards Card

While there is no annual fee for the Amazon Prime Rewards Card specifically, you do need to be an Amazon Prime member, which comes in at $119 per year.

The main benefit of the Amazon Prime Rewards Card is that you earn 5% back on purchases made at Amazon and Wholefoods.

Moreover, the Amazon Prime Rewards Card has no annual fee, no foreign transaction fees, and a lucrative introductory bonus.

#3. Houzz Mastercard® vs. Citi® Double Cash Card

The main difference between the Houzz Mastercard® and the Citi® Double Cash Card is that on purchases outside of Houzz, the Houzz Mastercard only earns 1% cash back, while the Citi Double Cash Card offers 2%.

There are no caps or annual fees. The Citi® Double Cash Card is designed for consumers who do not want to stress over whether purchases qualify for rewards or not. It is painfully easy to use and is one of the best cash back credit cards on the market.

Frequently Asked Questions

What credit score is needed for Houzz Mastercard®?

The Houzz Mastercard® only accepts applicants with good to excellent credit scores, which is quite shocking given how restrictive the card is.

Can Houzz Mastercard® Be Used Anywhere?

Thanks to its partnership with Mastercard®, the Houzz Mastercard® is accepted nationwide and can be used anywhere in the United States and abroad, making it an easy credit card to maintain.

Is the Houzz Mastercard® Hard to Get?

If you are consumer with a good to excellent credit score, then the Houzz Mastercard® is easy to qualify for. However, if you have bad credit, then check out the Petal® 2 “Cash Back, No Fees” Visa® Credit Cardor the First Progress Platinum Prestige MasterCard®.

Is the Houzz Mastercard® Worth Tt?

Whether the Houzz Mastercard® is worth it or not depends entirely on your shopping habits. If you frequently shop at Houzz, the credit card is certainly a nice addition to your purse or wallet.

However, if you rarely shop at Houzz, then you are better off going with a classic cash back or rewards credit card, like the Blue Cash Everyday® Card or the Capital One Venture Rewards.

Bottom Line: Houzz Mastercard® Review

The Houzz Mastercard is the perfect credit card for those who love to shop online at Houzz. Other than that, there are better cards elsewhere with lucrative rewards and flexible redemption options.

Meri Torres
Meri Torres

Meri B Torres is a former SimpleMoneyLyfe Writer with several years of experience and a deep business background. Holding a bachelors degree and MBA from New York University, Meri loves helping consumers make simple financial decisions and understanding the complex world of finance. Her areas of expertise are personal loans and credit cards.