A convertible hand cart can be converted among a panel cart, a tray cart, a hotel cart, a utility cart, a mechanic's cart, a gardener's cart, and the like. The convertible hand cart can be used to transport items through doorways and through narrow halls. In addition to the ability to hall panels, the panel cart configuration has the ability to haul long lumber, doors, windows, mattresses and many other odd shaped items. The convertible hand cart has a removable, repositionable handle and a removable tongue to provide various configurations.