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What Trovy card purchases qualify for Home Credits?

Up to $50 back every quarter when you pay for work on your home with your Trovy HELOC credit card.

  • $25/quarter · Standard $100 a year. Yours from day one.
  • $50/quarter · Premium $200 a year. After $24,000 in eligible purchases, for 12 months.
Explore categories How to redeem
A hand holding the Trovy HELOC credit card
Up to $50 back Every quarter
15 categories Work on your home
Statement credit Posted to your account

Categories that qualify

You can use your quarterly Home Credit for a Trovy Card purchase at a merchant that is classified in one of these categories. Search for the job you're paying for.

Showing all 15 categories.

  • Lawn & landscaping

    Work on your yard, garden, and trees.

    • Lawn mowing and treatment
    • Tree trimming and removal
    • Sprinkler and irrigation service

  • Plumbing, heating & air

    Your pipes, furnace, water heater, and AC.

    • Plumbing repair and leak fixes
    • Water heater repair or install
    • AC and furnace service

  • Electrical work

    Anything a licensed electrician handles.

    • Panel upgrades and rewiring
    • Lighting and ceiling fan install
    • EV charger install

  • Insulation, masonry & tile

    Walls, chimneys, stonework, and surfaces.

    • Attic and wall insulation
    • Brick, block, and stone repair
    • Chimney repair and repointing

  • Carpentry

    Framing, finish work, and custom builds.

    • Trim, molding, and millwork
    • Custom built-ins and shelving
    • Deck and porch building

  • Roofing & siding

    The outside shell that keeps water out.

    • Roof repair and replacement
    • Gutter install and cleaning
    • Siding repair and replacement

  • Concrete work

    Flatwork, foundations, and hardscape.

    • Driveways and walkways
    • Patios and slabs
    • Foundation repair

  • Handyman & specialty trades

    General repairs and the trades without their own category.

    • Handyman visits and odd jobs
    • Fencing and gates
    • Garage door repair and install

  • Specialty cleaning & sanitation supply

    Merchants classified for specialty cleaning and sanitation preparations.

    • Specialty cleaning preparations
    • Polishing compounds and treatments
    • Sanitation and disinfecting preparations

  • Pool & spa service

    Keeping a pool or hot tub running.

    • Routine pool cleaning
    • Pump, filter, and heater repair
    • Hot tub and spa service

  • Pest control

    Getting pests out and keeping them out.

    • Recurring pest control plans
    • Termite inspection and treatment
    • Rodent and wildlife removal

  • Cleaning & home maintenance

    Recurring and deep cleaning of the house itself.

    • House cleaning and maid service
    • Carpet and upholstery cleaning
    • Air duct and dryer vent cleaning

  • Home security & monitoring

    Alarm systems and the monitoring behind them.

    • Alarm system install
    • 24/7 monitoring plans
    • Security camera service

  • Appliance repair

    Fixing the appliances you already own.

    • Washer and dryer repair
    • Refrigerator repair
    • Oven and range repair

  • Miscellaneous repair shops

    Repair work that doesn't fall under another category.

    • Furniture repair and refinishing
    • Equipment and tool repair
    • Other miscellaneous home repairs

Merchants are assigned a category by their own payment processor, and Trovy doesn't control those assignments or take responsibility for them. If a home services merchant isn't assigned one of the categories above, the purchase won't qualify for a Home Credit even if the service otherwise looks eligible.

What doesn't earn a Home Credit

Home Credits pay for services performed on your home. Goods, materials, and supplies don't qualify, even at a home-related merchant. They still earn 2% back in Home Categories8; they just don't draw on your quarterly credit.

  • Materials and supplies

    Lumber, paint, tile, and hardware bought at a home improvement warehouse or hardware store.

  • Appliances and fixtures you buy

    Buying a new dishwasher is a retail purchase. Paying someone to repair one is a service.

  • Furniture, décor, and garden center goods

    Anything off the shelf, including plants and soil, rather than work performed at your home.

How to claim your credit

  1. Pay with your Trovy HELOC credit card

  2. Log in and select the purchase to redeem for a Home Credit

  3. The credit posts to your statement

Full terms, including tier qualification and the complete list of eligible merchant categories, are in the Trovy Rewards Program Agreement.