Home depot Credit Card: See Easy Ways to Apply For It & More

Home Depot Credit Card Login
Home Depot Credit Card Login

Home Depot Credit Card – Home Depot provides a number of credit cards, including consumer and business cards. On the consumer side, Home Depot provides a consumer credit card that can be used in its stores. This card offers six months of 0% financing on purchases of $299 or more.

Commercial cards are also available from Home Depot for contractors and businesses. A commercial charge card and a commercial line of credit account are among its commercial cards (due in full each month). Citibank issues Home Depot credit cards.

What is Home Depot Credit Card?

Citibank issues the Home Depot Credit Card, which is a store-branded card. This is the more classic of the two personal cards available.

However, it is only valid for purchases made at The Home Depot.

This card is designed for people who make medium-sized purchases on a regular basis and can benefit from special financing.

Hot Tip: This card does not receive any rewards.

It gives no cash back, points, or miles.

So, if you don’t intend to use special financing, you’re probably better off with a card that earns rewards on these purchases.

This card’s advertised perks include:

  • 6 month finance on purchases of $299 or more
  • Up to 24 months financing during exceptional promotions
  • Special discount offers
  • 1-year no-hassle returns (4x longer than a non-cardmember)
  • There is no liability for unlawful charges.

Citibank also allows you to discover if you are pre-qualified for this card without affecting your credit score.

When making a qualified purchase, new accounts may also be eligible for a sign-up discount.

Important Takeaways
  • Home Depot provides two credit cards to customers
  • The basic Home Depot credit card, which has a promotional 0% interest rate; after that, the annual percentage rate (APR) ranges from 17.99 percent to 26.99 percent.
  • Home Depot also provides a project loan credit card, which acts more like a line of credit, with a limited time to repay a sum of up to $55,000.
How Do I Apply For a Home Depot Credit Card?

Although you can apply for a Home Depot card in-store, it is far easier to do it online. If you meet the credit conditions, Citibank, Home Depot’s credit issuer, will issue you a card within 10 days.

The Home Depot Consumer Credit Card* and other Home Depot branded, co-branded, or store products can be applied for online, but you can also apply in person at any Home Depot store.

Because eligibility is based on creditworthiness, a credit check will be performed prior to approval, and approval is not guaranteed.

Based on your creditworthiness, the card issuer will establish your purchase APR or other applicable terms related to the product for which you apply.

You can pre-qualify on the Home Depot website to determine your chances of approval and the terms you may be offered.

How to Apply for Home Depot Credit Card?
  1. Go to www.applyforhomedepotcreditcard.com
  2. Now, on the main page, there will be many blanks that you must fill out with your information.

Name, phone number, address, financial information, date of birth, and Social Security Number, for example (SSN).

  1. Fill in the details and carefully read the terms and conditions before proceeding to the next stage.
  2. When finished, click the agree to button and then submit.
  3. You will soon receive your Home Depot credit card.
How to Make an Online Home Depot Credit Card Payment

Making a payment online is straightforward.

This is how it’s done.

  • Gather your bank account number and the ABA routing information before you begin.
  • Navigate to the Home Depot consumer credit card login page.
  • To access your Home Depot account, enter your username and password.
  • To make a payment, follow the on-screen instructions.

You may also manage your Home Depot card online, which allows you to pay bills, check account activity, receive special offers, and set up account notifications.

Home Depot Credit Card Login

Log in here to make a payment and manage your account.

Get a Home Depot Credit Card
  • Consumer Credit Card
  • Project Loan Card
  • Commercial Revolving Card
  • Commercial Account Card
The Home Depot Consumer Credit Card

The Home Depot consumer credit card, like other store cards, can be used to make everyday transactions at Home Depot. Home Depot provides 0% APR for six months on purchases of more than $299, as well as various incentives throughout the year.

You may frequently find 12-month interest-free financing on appliances costing $299 or more, 24-month special financing for heating and air conditioning, and seasonal deals like $25 off snow blowers in the fall.

However, be wary of the promotions.

The 0% financing is a nice headline, but it is only free if the restrictions are followed.

0 percent for six months, like any other “delayed interest” promotion, requires you to settle the balance in full before the six months are up.

If you are even one day late, Citi (the bank that issues the Home Depot credit cards) will charge you the full interest amount for the previous six months, as if the deal never occurred.

Banks offer such promotions because they know that most customers intend to pay off their balances before the promotional period ends, but many do not. If you don’t have a track record of paying your credit card balances in full at the end of the month, it’s advisable to avoid promotional offers like these.

Store credit cards are “private label,” as opposed to general use credit cards with a MasterCard or Visa logo—store cards can only be used at the retailer, whereas general use cards can be used everywhere MasterCard or Visa is accepted.

The Home Depot Project Loan Credit Card

HomeDepot has a project loan credit card with credit lines of up to $55,000 if you’re planning a significant renovation or building project.

This card includes no annual fees, a balance-transfer period of up to 84 months, and a six-month purchasing window.

The card has no perks and a beginning annual percentage rate (APR) of 7.42 percent (for the six-month repayment). Consider it more of a loan or a line of credit than a credit card. Although the interest rate is much lower than that of a consumer credit card, if you wait the full 84 months to pay off the balance, your project will be significantly more expensive.

The Home Depot Project Loan Card functions more like a line of credit. There are no benefits or prizes, but you can borrow up to $55,000 for house upgrades and renovations.

Pro Xtra Commercial Revolving Charge Card

The Pro Xtra Commercial Revolving Charge Card, designed specifically for Home Depot’s professional customers, allows authorized employees to use the card for company purchases at any U.S. Home Depot store location.

Users of the Commercial Revolving Charge Card who are Pro Xtra program members are eligible for the 4X Faster Perks benefit as well as a number of other incentives, including the ability to earn discounts on paint and other products.

Every dollar spent with the card earns four dollars in credit, which can only be used toward ProXtra Perks, which may include tool rental perks and Pro Xtra Dollars, which can be redeemed in store for qualified items and services, subject to limits and conditions.

It should be noted that this program has minimum spending requirements and a limit number of Perks you can earn on the card, while the program terms and conditions lack clarity, instead directing users to their MyAccount pages.

Commercial Account

Home Depot offers business accounts without many of the gimmicky Pro Xtra program advantages to professional clients in need of a commercial account.

Credit card accounts are not commercial accounts.

A commercial account allows authorized users to charge the card on your behalf by giving buyer ID cards to each user.

Employers can also set spending restrictions and obtain full expenditure information in order to keep track of all purchases.

Though payments must be made in full within 60 days after making purchases with this card, there is an opportunity for a 2% early pay discount if payment is made online within 20 days of purchase. By itemizing all invoices, users can also improve payment arrangements.

How to apply for the The Home Depot® Commercial Revolving Charge Card
  1. Visit the Home Depot website and click Apply Now under TheHomeDepot® Commercial Revolving Charge Card to be directed to the Citi website.
  2. Fill out the application with your contact and business information.
  3. Choose account options such as Fuel Rewards program participation and payment conditions.
  4. Accept the terms of Citi and enter an electronic signature at the bottom of the form.
  5. Review your information and then click Submit application.
How long will it take to get my The Home Depot® Commercial Revolving Charge Card?

Your application may receive an instant decision.

If Citi needs to review your application, you will most likely be contacted within a few business days.

Allow seven to ten business days for your card to arrive in the mail after approval.

Extended Returns and In-Store Discounts with the Home Depot Card

The Home Depot Consumer Credit Card does not provide recurring rewards, but it does provide a few additional benefits.

Returns are permitted up to one year after purchase, which is four times longer than the standard Home Depot return window.

The card also provides a one-time discount for new cards until July 28, 2021, which varies depending on the amount spent:

  • $25 off a single $25 to $299 purchase
  • $50 off a single $300 to $999 purchase
  • Or $100 off a single $1,000 or more purchase

Otherwise, you will not earn ongoing Home Depot benefits. The main advantage of this card is special financing on purchases of $299 or more, which is excellent if you’re buying an appliance or require supplies for a project.

The Home Depot Project Loan may make more sense for major improvements that may cost much more (up to $55,000).

Benefits and Perks of the Home Depot Credit Card

Citi’s Home Depot Consumer Credit Card charges no interest on purchases of $299 or more for the first six months.

As of February 2021, Home Depot will also offer various consumer rewards, such as discounts and statement credit for certain purchases.

Home Depot, in instance, is providing free stain and a 5% bill credit on select pergolas and pavilions, as well as up to $500 off and a 5% statement credit on some sheds and garages.

You may be eligible for up to 24 months of free interest on certain larger purchases during special promotional periods.

The Home Depot Consumer Credit Card, unlike many other 0% interest credit cards, simply defers your interest payment.

If you do not pay the debt in full before the conclusion of the promotional period, you will be charged interest at the usual variable rate back to the date of purchase.

Make a plan to pay off your debt in full during the financing period, because after that, your balance will be subject to the continuous variable 17.99% -26.99% APR.

Because the Home Depot Consumer Credit Card is a regular retail card, you can only use it to make purchases at Home Depot stores or on homedepot.com. There is no annual charge, and you may verify your prequalification status online without affecting your credit score.

Where Can Someone Get the Home Depot Credit Card?

Those interested in applying for the Home Depot credit card can do so on their website. The card can also be applied for in-store. Both processes are normally instant, however it can take up to 10 days to obtain the card.

What Credit Is Necessary for the Home Depot Credit Card?

The Home Depot card’s qualifications are not specified, however keep in mind that credit standards for store cards are often less stringent than those for conventional credit cards. The credit required, as with most store credit cards, is normally fair to good.

Where Can the Home Depot Credit Card Be Used?

The Home Depot credit card, a private label card, can be used both online and in-store.

Because it is not a general-use credit card, Home Depot’s two consumer credit cards cannot be used at other stores or retailers.

Alternatives to the Home Depot Credit Card

If you are not a contractor who receives discounts or advantages for brand loyalty, many people may prefer to buy at Lowe’s—one of Home Depot’s main competitors. Lowe’s also has a consumer store-only card, as well as contractor cards. The Lowe’s credit card, commonly known as the Lowe’s Advantage Card, offers a 26.99 percent APR and a 7.99 percent introductory rate on transactions over $2,000.

Terms and Conditions of the Home Depot Credit Card

Based on creditworthiness, the Home Depot card has APRs of 17.99 percent, 21.99 percent, 25.99 percent, or 26.99 percent.

The card has a regular 25-day grace period and late payment penalties of up to $40.

Expect no incentives like rewards points or cash back with this card, other from the special offers.

If you use your credit card properly, a card with cash back or rewards points may be a better choice than a retail card, unless the promotional offers appeal to you.

The Home Depot Project Loan Card functions more like a line of credit.

There are no benefits or prizes, but you can borrow up to $55,000 for house upgrades and renovations.

Who Should Consider the Home Depot Credit Card?

If you buy at Home Depot frequently, the card may be useful to you.

The card does not provide cash back, but it may be appealing to individuals who are interested in the current introduction incentives. If consumers are going to the home improvement store for routine repairs, they may want to consider one of the top cash back credit cards.

Is It Hard to Get a Home Depot Credit Card?

Home Depot did not specify credit standards, but its APR for consumers will range from 17.99% to 26.99%. The application process is simple and can be completed online.

Is the Home Depot Card Worth It?

The Home Depot credit card provides no cash back or other perks. It does, however, offer 0% interest for six months on transactions over $299.

It also features special incentives such as initial statement credits and product promotion discounts.

Does Home Depot Have a Rewards Card?

Home Depot provides an individual credit card, as well as commercial and contractor cards.

However, there are no incentives or cash back associated with the card.

Certain statement credits and discounts are included.

Where Can I Use My Home Depot Credit Card?

You can use any of the Home Depot Credit Cards or credit accounts to make qualified online or in-store purchases.

These are “store” or “closed-loop” cards that cannot be used with other vendors.

Home Depot Credit Card Customer Service – Help & Phone Payment
  • The Home Depot credit card customer support phone number is 1-800-677-0232 for payments and other assistance.
Credit Card Payment Address

Home Depot Credit Services

P.O. Box 9001010

Louisville, KY 40290-1010

Lowes vs Home Depot Credit Card

Even before considering any other advantages, we prefer the Lowe’s® Advantage Card over the Home Depot® Consumer Credit Card because of the continuous 5% discount on qualified purchases.

While both cards provide 0% APR deferred-interest periods for six months on purchases of $299 or more, the Lowe’s® Advantage card also includes low-interest financing terms of 36, 60, and 84 months.

To acquire similar financing offerings from Home Depot®, you’d need to apply for the Home Depot® Project Loan Card.

Finally, the Lowe’s® Advantage Card gives you $100 off any in-store Lowe’s purchase of $600 or more, whereas the Home Depot® Consumer Credit Card requires you to spend at least $1,000 to earn that much back.

Even with the Home Depot® Consumer Credit Card’s extended return time on qualifying goods, it simply cannot compete with the Lowe’s® Advantage Card.


What credit score is needed for a Home Depot consumer card?

To apply for The Home Depot Consumer Credit Card, you must have a FICO® Score of at least 600, and a score of 640 or higher increases your chances of acceptance. Applicants for this card often have credit ratings in the medium to acceptable range.

What is the highest limit on Home Depot credit card?

What Is the Appeal of This Card? What does it provide for me? The Home Depot Project Loan provides cardholders with a massive line of credit (up to $55,000), 6 months to make purchases, and up to 9.5 years to pay it down.

Is Home Depot a hard card to get?

Yes, the Home Depot Credit Card performs a hard credit pull. To receive it, you’ll need a credit score of at least 640, which is comparable to what most retail cards require. The Home Depot Credit Card cannot be pre-qualified for. A hard draw often lowers an applicant’s credit score by 5-10 points.

Is Home Depot credit card instant approval?

Whether you apply online or in person, the acceptance process is usually instant, and you will have your card within 14 days.

If the Home Depot is unable to give an instant credit decision, you will be notified by U.S. mail within 30 days of your application status.

Can you apply for a Home Depot card online?

Apply for a Home Depot® Credit Card online or in person at any Home Depot location.


The Home Depot credit card may entice customers who are planning a large renovation.

Contractors can also take advantage of the retailer’s different commercial cards.

It’s worth noting that the card offers free interest for six months on purchases over $299.

The card can be used for zero-interest financing on repairs such as repairing heat or air conditioning, replacing a water heater, or repairing plumbing.