Can I use my Home Depot credit card anywhere? This question is about the Home Depot® Credit Card

Can I use my Home Depot credit card anywhere?

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This question is about the Home Depot® Credit Card

Sue Patterson, WalletHub Analyst

@sweetsue • 10/05/21 This answer was first published on 06/09/20 and it was last updated on 10/05/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you cannot use your Home Depot® Credit Card everywhere. You can’t use the Home Depot® Credit Card outside of Home Depot stores and the Home Depot website, because it’s a store card.

Regular credit cards are part of a card network – Mastercard, Visa, Discover, or American Express – so those cards can be used anywhere the card’s network is accepted. Store cards aren’t affiliated with a card network, so they can only be used in a particular store or set of stores.

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Ways to Make a Home Depot® Credit Card Payment

Online: Sign in to your online account and click the “Make a Payment” button. From there, you’ll see your payment options and can enter the amount you want to pay, along with your bank account information if you haven’t previously stored it.

Phone: To make a Home Depot® Credit Card payment over the phone, call the number on the back of your card or the main customer service line, at (866) 875-5488. You should call between 6 a.m. and 1 a.m. EST from Monday to Saturday or between 7 a.m. and 12 a.m. EST on Sundays.

Mobile app: Use the issuer’s mobile app for iOS and Android and select your card, then tap “Make a Payment.”

At a branch: You can make a payment at any Citibank (the issuer) branch during normal business hours.

Mail: If you want to pay your Home Depot® Credit Card bill by mail, send a personal check with your account number on the memo line to the card's payment address:

The Home Depot® Consumer Credit Card Payments
Home Depot Credit Services
P.O. Box 9001010
Louisville, KY 40290-1010

Overnight Delivery/Express Payments

Attn: Consumer Payment Dept.
6716 Grade Ln
STE 910
Louisville, KY 40213

Keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.

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Are there any Home Depot credit card promotions?

One of the best Home Depot credit card promotions is $100 off a single-receipt purchase of $1,000 or more in your first 30 days with the Home Depot Consumer Credit Card. You’ll also receive 0% deferred interest for 6 months on purchases of at least $299. If you pay the purchases off by the end of the intro period, you pay no interest. Otherwise, you owe all the interest you would have paid, at an APR of 17.99% - 26.99%.… read full answer

If you’re a business owner, the best Home Depot credit card offer is 60 days of no interest on all purchases with the Home Depot Commercial Revolving Charge Card or the Commercial Account, which is basically a 2-month free loan. You still have to make minimum monthly payments during the 60-day zero interest period, though. With either Home Depot Commercial card, you’ll also save $100 on your first qualifying purchase of $1,000 or more within 30 days of having the card. On top of that, you get a 1-year return period for your purchases.

The last type of Home Depot offer doesn’t come from a credit card. It’s Home Depot’s Project Loan, which offers up to $55,000 with a fixed APR and payoff period that depends on your creditworthiness. The deal gives you 6 months to make purchases for your project. Then, you have anywhere from 66 to 114 months to pay it off, with an APR from 7.42% to 19.96%.

Current Home Depot credit card promotions:

$25-$100 discount on a purchase of $25-$1,000+ in first 30 days: Home Depot Consumer Credit Card, Home Depot Commercial Credit Cards

0% deferred interest for 6 months on purchases of $299 or more: Home Depot Consumer Credit Card

7.42%-19.96% APR for 66-114 months: Home Depot Project Loan

No annual fee: All Home Depot credit cards

No interest for 60 days on all purchases: Home Depot Commercial Credit Cards

1 year to return purchases: Home Depot Commercial Credit Cards

Free Home Depot Pro Xtra membership: Home Depot Commercial Credit Cards

If you go for the consumer card, you should definitely be wary of the deferred interest offer. It may seem great at first, but if you’re not able to pay your full balance, you’ll owe a mountain of interest. If you’re looking to finance, consider a 0% APR credit card not associated with a particular retailer.

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What's the maximum Home Depot Credit Card credit limit?

Citibank, the issuer, does not disclose a Home Depot credit card max limit. It will be determined based on your creditworthiness.

You will be informed of the amount of your credit limit when you receive your card. Some credit limits may be as low as $500.

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