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Becoming a new homeowner is an exciting experience, and it’s one that comes with ample financial obligation. Aside from a down payment and closing costs, you’ll worry about other financial ventures from buying new furniture to making other upgrades at home. If you’re in a position to make these purchases, you might want to see how you can maximize your income by buying each item with a credit card and earning cash back, travel rewards, or other rewards to enhance your homeownership experience.

The best way to use a credit card to make purchases as a new homeowner is to pay off the balance of each card you use in full each month. This allows you to maximize the amount of your rewards while minimizing the effect your spending habits have on your credit score. Paying the balances of your cards in full each month allows you to maintain a great credit score in addition to staying out of debt. These are five of the best credit cards on the market for new homeowners.

American Express Blue Cash Preferred

Grocery stores are important for new homeowners, since you do have to feed your family. You earn 6% cash back up to $6,000 each year on your supermarket purchase. Gas earns you 3% cash back, as do all your department store purchases. Since department stores are great for home décor, furniture, dishware, and many more things you use around the house, it’s great for new homeowners.

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This card is great for new homeowners because it allows you to spend up to $1500 each quarter on specific categories that earn 5% cash back. These revolving categories are common places homeowners shop, and this allows you to maximize the amount of income you earn when shopping for home décor and supplies. New cardholders get one year to pay off all purchases without paying interest.

Citi Simplicity

It’s a simple card, and that’s why so many homeowners love it. This card doesn’t have revolving categories for cash back or other options. You won’t earn any cash back or rewards with this card, but you also don’t pay late fees, overage fees, or interest for 21 months on anything you purchase or transfer. There’s no annual fee, either. It’s a simple card in that you know what you’re paying, what you’re getting, and that you’re taken care of.

Wells Fargo Home Rebate Visa

Use this card and apply all your rewards to your home mortgage. You get to pay off your mortgage debt with your rewards, which is why so many people prefer to use this card and this method of spending. It’s one of the best possible cards on the market for those who own a home and wish to make the best financial decisions regarding their home purchase. You won’t regret the money you earn with this card.

US Bank Cash+ Visa

You get to choose two categories each quarter to earn 5% cash back on all purchases up to $2,000. As a new homeowner, you can choose to use this at home décor stores, furniture stores, and even stores such as Lowes and Home Depot where you might go to purchase your new appliances or yard equipment. It’s a great offer. Additionally, you can earn 2% cash back on gas and groceries. It’s a winning card for anyone who owns a home.

There’s no right or wrong card for anyone who has a new home. You might be in complete disagreement with this list because you prefer to use your Lowe’s card to purchase your appliances and other home needs. It’s not about anything more than your personal preferences when it comes to finding the best card for your homeownership. It is about maintaining a good credit rating, using your finances wisely, and staying out of debt. You’re a homeowner now, so making wise financial decisions is what your life is all about. These cards, when used correctly and paid off in full each month, are highly beneficial to cardholders and homeowners alike when it comes to your credit and earning rewards.