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Home Depot® Credit Card

Caroline Lupini
Updated on: 05/05/2018
RE®: 70
Our Rating
Home Depot® Consumer Credit Card
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For excellent/good credit
  • 71
    for Home Depot® Consumers
  • 70
    for Cash Rewards
  • 68
    for Everyday use

"Get exclusive discounts and up to 24 months of interest-free financing at Home Depot."

The Home Depot Consumer credit card is a store card that can only be used for Home Depot purchases. This card does not offer rewards, but instead it has a six-month interest-free period for any purchase that is $299 or higher and special financing for up to 24 months on purchases that fall within specific categories.

Additionally, the Home Depot Consumer card comes with promotional discounts that change from time to time. The Home Depot card can be a good option if you make use of the special financing or a specific discount offer. If you don’t, then a simple cashback card is a better choice, especially when you consider that the Home Depot card doesn’t offer rewards. Below we will go into the details of the Home Depot Consumer credit card and a compare it to some alternatives.

Home Depot® Credit Card Features and Benefits

The biggest benefit of the Home Depot Consumer credit card is that it offers special financing on any purchase that’s $299 or more. For these purchases, customers will not pay interest if the balance is paid for in full within six months. The card also offers up to 24 months of interest-free financing during special promotions.

The special promotions may include special financing or discounts for specific products or services, such as 18 months financing on blinds, shades and shutter purchases of $1,999 or more; up to 10 percent off select shed purchases; 10 percent off installed pergolas, arbors and pavilions; up to 24 months financing on any installed roofing, siding, gutters and attic insulation purchases; and more. These offers change regularly, so you’ll have to check back with Home Depot to see what’s available.

What You Get

  • No interest if paid in full within 6 months on purchases of $299 or more.
  • 12 months financing on Riding Mower purchases of $899 or more. Valid 4/5-5/30/2018.
  • 12 months special financing on Installed Fencing purchases of $2,999 or more. Valid 3/8-7/26/2018.
  • Up to 24 months financing on special order and installed blinds, shades, and shutters purchases made on your Home Depot Consumer Credit Card. Valid 1/25/2018-1/23/2019.
  • No Annual Fee.
  • Extended hassle-free return period for purchases made on the card

Sometimes the Home Depot Consumer credit card offers a small sign-up bonus in the form of a discount, usually 10 percent, that can be used on your next Home Depot purchase. If you have a Home Depot purchase to make for a home improvement project that is not time-sensitive, it could be a good idea to wait for one of these offers to come along, especially if you will save a lot.

In-Store Financing

In order to get six months of interest-free financing for purchases of $299 or more, you must pay for the purchase with your Home Depot Consumer credit card and it must be $299 or more. The full purchase needs to be paid in full within six months or interest will be charged from the purchase date. In other words, this does not give you any benefit if you don’t pay for the purchase in full within six months.

The special financing for the temporary promotions typically have their own additional requirements that vary by offer. You may be required to spend a certain amount or purchase professional installation, etc. The time period for the interest-free financing also varies by promotional offer, but typically ranges from six to 24 months.

Customer Perks

In addition to the benefits listed above, the Home Depot Consumer card also offers one-year hassle-free returns for any purchases made with your card. Normally, Home Depot purchases are only able to be returned for three months after purchase, so having the Home Depot Consumer card gives you four times as long to return purchases. If you’re buying something that you’re not totally sure about, this can be a real lifesaver.

What is the Value of Home Depot Credit Card Points

The Home Depot Consumer credit card does not earn points, but Home Depot does offer a rewards program called Xtra Savings. You’ll have to sign-up for this program separately, but you can earn discounts on purchases depending on the total amount of your purchase, plus additional discounts for purchases that fall into specific categories.

How Much Will You Earn with Home Depot Credit Card?

The Home Depot Consumer card does not offer rewards for everyday purchases. Rather, it offers discounts in certain categories that change from time to time. Card purchases can only be made at Home Depot. If you want a more flexible credit card that offers rewards but is also good for spending at Home Depot, a simple cash back card like Citi Double Cash will likely make more sense. We will look at a few other credit cards in a later section.

Should You Get the Home Depot Consumer Credit Card?

Since the Home Depot Consumer credit card doesn’t earn points or offer cash back on purchases directly, the card only makes sense if you can take advantage of the interest savings or discount offers that are available with the card. If you’re not going to take advantage of the deferred interest period and can’t otherwise make use of a discount that comes with the card, you might be able to do much better with a general cashback credit card offering 1.5 to 2 percent cash back on all purchases.

The Home Depot Consumer card is a store card that can only be used at Home Depot. It does offer a six-month deferred interest period, so it’s a good option if you have a medium-sized home improvement project and you want to have six months to pay it off. Keep in mind, however, that this is just a deferred-interest period. If you haven’t paid off the entire balance within six months, you will be charged the full amount of interest that was deferred over the previous six months.

In addition to the interest-free financing, the card offers a handful of special discounts that change from time to time. If one of the discounts fits with a project that you are currently working on, it could offer more savings than a standard cashback card.

Also keep in mind that you won’t earn rewards with your Home Depot Consumer card, so if you can’t make use of the special financing or a discount, you won’t get anything back from spending on this card. It would make much more sense in this case to get a simple cashback card like Citi Double Cash. We’ll talk more about that card and a few other options later.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • What kind of credit score do I need to be approved for the Home Depot Consumer credit card?

    Since the Home Depot Consumer credit card is a store card, it’s not necessary to have super high credit in order to get approved. You need fair credit to get this card, so a score above 600 will give you a reasonable chance of being approved. Keep in mind that a higher score will not guarantee that you will be approved, and likewise, a lower score is not a guarantee that you will not be approved.
  • Does the Home Depot Consumer card ever offer a sign-up bonus?

    Sometimes the Home Depot Consumer card offers a sign-up bonus in the form of a coupon. One that comes up with some regularity is 10 percent off on your first Home Depot purchase after getting the card. If you have a project that isn’t time sensitive, it could make sense to wait for one of these discounts before applying for the card.
  • Is it possible to add authorized users to my Home Depot Consumer credit card?

    Yes, it is possible to add authorized users to your Home Depot Consumer card. There is not a fee to add users. You can add them over the phone or through your online account.
    Authorized users are allowed to report lost or stolen cards, obtain account information, initiate billing disputes, request statement copies, make payments, gain online access and inquire about fees. Authorized users cannot close your account, add other authorized users, request a lower APR or request a billing date change.
  • How do I avoid interest charges on my deferred-interest promotion?

    In order to avoid interest charges on your deferred-interest promotion, you need to pay the entire outstanding balance in full by the promotion’s expiration date.
  • What is the difference between a store card and a regular credit card?

    Often times, store cards can only be used at the store that issues the card. For example, the Home Depot credit card can only be used for Home Depot purchases. If you have a credit card like the Chase Freedom Visa, for example, it can be used to make purchases anywhere that Visa is accepted, including at Home Depot. Additionally, store cards usually offer discounts and promotional payment periods, whereas standard credit cards often offer some kind of reward, like cash back or points, for spending.
  • Is it better to use the Home Depot card or a different credit card?

    Whether it’s better to use the Home Depot Consumer store credit card or a different card, like the Citi Double Cash, depends on what you are buying, if there are any promotional card discounts and if you plan to take advantage of special financing offered. In most cases, it is likely to be more rewarding to use a standard cashback credit card that offers a fixed return of 1.5 to 2 percent instead of the Home Depot Consumer card.
  • What is my credit card account payment address?

    To find the payment address for your credit card account, just log into your account online and select Contact Us from the Contact Us menu at the top of the page.
  • What happens to my statements with a zero balance and no activity?

    Home Depot does not issue a credit card monthly statement if the account has a zero balance and no activity occurred during the billing cycle.
  • Why is my available credit less than the difference of my credit limit and balance?

    You may have pending authorizations with merchants.
  • How can I tell if the Home Depot Consumer card or a cashback card will offer more savings?

    If you compare the Home Depot Consumer card to a simple cashback card, it is fairly easy to calculate. The Citi Double Cash card, for example, offers you 2 percent back on all purchases. Let’s assume you have a $1,000 purchase with Home Depot coming up. You would get $20 back with the Citi Double Cash card.
    At time of writing, the only discounts available with the Home Depot card were 10 percent off shed purchases and 10 percent off plus a 5 percent statement credit on installed pergolas, arbors and pavilions by Lawn Master Outdoor Living. If you are buying any of these things at Home Depot, the Consumer card gives you a larger discount, but if you are buying anything else, you will get more back by using a cashback card like the Citi Double Cash.
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Compare Home Depot® Credit Card

Before you apply for the Home Depot Consumer credit card, it’s worth comparing it to other lines of credit that you can get from home improvement stores. We will take a quick look at the Home Depot Project Loan and the Lowe’s Advantage credit card for comparison.

Home Depot® Consumer Credit Card
For Excellent/Good Credit
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Compare Similar Store Credit Cards

Sign-up bonus$00 cashback
Annual Fee



APR On Purchases26.99% Variable±17.99% to 26.99% Variable±
Foreign Fee0%0%
Bonus Value$0$0
Second Year Value$0$0

The Home Depot Project Loan card offers lines of credit of up to $55,000 with a fixed 7.99 percent interest rate. From the time you apply for the Project Loan, you’ll have six months to make purchases, and you’ll have 84 months to pay off those purchases. This line of credit might be better than the Home Depot Consumer credit card if you have a very large project coming up, like a kitchen remodel.

The Lowe’s Advantage credit card offers three different everyday offers. You can choose between 5 percent off your purchase, six months of special financing with no interest on purchases of $299 or more, or project financing for any purchase of $2,000 or more that’s available for 36, 60 or 84 fixed monthly payments.

With all of these card options, you don’t need to worry about paying an annual fee. Between the Home Depot Consumer card and the Lowe’s Advantage card, you should see which card and store will offer a better deal for the home improvement project you are working on.

Some Alternative Cards for Home Depot Shoppers

You don’t have to use a Home Depot credit card in order to shop at Home Depot. In fact, it could make more sense to get a credit card that offers cashback or rewards points instead of using the Home Depot credit card. Below we will look at the main features of Citi Double Cash, Chase Freedom Unlimited and Chase Freedom Unlimited®.

Home Depot® Consumer Credit Card

Check if Home Depot® Consumer Credit Card is the best option for you

There’s a good chance than any of these cards will offer you more return on your spending than the Home Depot Consumer credit card, especially if you don’t intend to take advantage of the six month special financing offer.

The Citi Double Cash card offers 1 percent cash back when you spend money on your card and an additional 1 percent back when you pay off your card. This equates to 2.0 percent back on all purchases for a card that doesn’t charge an annual fee.

Uber Visa Credit Card offers generous cashback bonuses. You can earn 4.0 percent cash back at restaurants, 3.0 percent back for certain major travel expenses, 2.0 percent back on most online and mobile purchases (including Uber rides) and 1.0 percent back everywhere else. Plus, it’s a no-fee card that comes with a $100 sign-up bonus.

The Chase Freedom Unlimited offers 1.5 Ultimate Rewards points per dollar spent on all purchases. These Ultimate Rewards points can be redeemed for one cent each, so at the very least you are getting 1.5 percent cash back.

However, if you have a premium Chase credit card, like the Chase Sapphire Preferred or Chase Sapphire Reserve, you can redeem your Ultimate Rewards points through Chase for travel at a higher rate. You will also unlock the ability to transfer your Ultimate Rewards points to airline and hotel transfer partners that can yield a still higher value for your points. The Freedom Unlimited does not have an annual fee.

If you have a premium Chase card, the Freedom Unlimited will likely net you the most return for your spending on Home Depot purchases. If you don’t have a premium Chase card, the Citi Double Cash card is a really solid option.

Home Depot Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Good credit score
From 700 to 749
Rewards Currency

Card Terms and Conditions

While it's easy to focus on the benefits of the Home Depot Consumer card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this card.


Intro APR:
See Terms and Conditions
Intro APR for balance transfers:
See Terms and Conditions
Ongoing APR:
17.99% to 26.99% Variable±
Minimum Grace Period:
25 days
Return Protection:
When you use your Home Depot Consumer credit card, you’ll have one year to make no-questions-asked returns for that purchase. Home Depot’s normal return period is three months, so having this card gives you four times longer to return purchases.

Cash Advance Features

Ongoing APR:
See Terms and Conditions
Cash Advance Fee:
See Terms and Conditions

Security and Protections

The Home Depot Consumer credit card offers standard security features.

$0 Fraud Liability:
You’re never liable for unauthorized purchases made with your Home Depot Consumer card.
Online Portal:
Login online to monitor your account activity.

Additional Cardholder Benefits

The Home Depot Consumer credit card does not offer any additional cardholder benefits or any benefits that extend outside of Home Depot.