What credit card do you use to fund renovations?

[Armando Neri]

Straightforward question -- what credit card do you use to fund your material costs in a renovation? Why did you pick that card?

Before I explain my situation, let me add some context. I have solid money management skills, and have a six-figure career so I'm highly confident in my ability to repay the credit card debt (if incurred). I have a credit score that ebbs and flows around 800. We can all agree that having credit card debt isn't favorable but if used correctly, it can add flexibility to the renovation project. I'm not here to debate whether I should use one or not.

Now here's where I'm at today: a good friend of mine is a reputable contractor whose done hundred of quality renovations. He's let me know that I can purchase all of the materials, and I'll I'd be responsible for is paying the wage of his employees to get the job done. That said, I'm likely looking at $20k to $30k in material. My goal is to pay cash for the work and finance the material. As far as repaying ~$30k in material costs (credit card debt), I'm confident I can do that by 12 months and 100% certain I can do it by 18 months. One last thing, this is a BRRR strategy (buy and hold).

ONE LAST NOTE: This is not a joint venture with my contractor. I purchased a duplex on my own with conventional financing. Purchase price is $408k with and ARV of $600k.