Credit Cards For People With No Credit

I am planning to do a little bit remodelling for our house, which will cost us around 10K. I have an offer from Credit card company for 4.99% checks for the life of the balanace and also another offer for home equity for prime rate 8% (since I only borrow the minimun, they can't give me their best rate).
Considering tax refund and fico score, which one should I take? If I take the credit card offer, will it hurt my FICO score more than if I take the home equity? (my score is around 765).

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