Contractor Cash Charge Accounts

Open a Cash or Charge Account with Cardinal

Whether you’re managing a busy job site or updating your home, setting up an account at Cardinal Home Center helps you stay organized, save time at checkout, and keep track of every purchase.

We offer two flexible options: cash accounts for pay-as-you-go convenience, and charge accounts with monthly billing and job tracking. Both are available to homeowners and contractors.

To get started, download the application below. You can return it in-store or email it to credit@cardinalhomecenter.com. For your security, we recommend dropping it off in person or calling to provide any sensitive details by phone if emailing.

Cash Account

Pay as you go with no credit check.

Ideal for homeowners and contractors who want to organize purchases without extending credit.

  • Pay by cash, check, or card
  • No credit report required
  • Card-on-file option for purchasers
  • Use across all locations
  • Track purchases online
  • Add POs or purchaser lists
  • Apply in-store or email completed application to credit@cardinalhomecenter.com

To apply: Download the application and drop it off at any location. For your protection, don’t email sensitive information—call 540-948-3062 to provide details securely by phone.

Charge Account

Streamline your job billing and get organized.

Designed for contractors and homeowners managing multiple projects with monthly billing.

  • Net 30 payment terms, billed monthly
  • Assign authorized purchasers or use PO numbers
  • Invoices can be printed at checkout or emailed
  • Monthly statements delivered by email, mail, or both
  • Accessible across all Cardinal Home Center locations
  • Full purchase and job tracking via web portal
  • Apply in-store or email completed application to credit@cardinalhomecenter.com
  • Set up job-specific billing (e.g., 123 Main St, Kitchen Reno, etc.)

To apply: Download the application and drop it off at any location. For your protection, don’t email sensitive information—call 540-948-3062 to provide details securely by phone.

Online Account Access

Streamline your job billing and get organized.

Whether you’re using a cash or charge account—or just want to place an order—our online portal gives you full access:

  • View detailed purchase history
  • See open balances (for charge accounts)
  • Request product quotes
  • Place orders online
  • Download invoices and account statements

Access is instant. Visit any location to create or link your account, or get started online. Learn more about how to use the account as well!