Can I use my Home Depot credit card anywhere?

You can make a Home Depot credit card payment online, over the phone, or by mail. Paying your Home Depot credit card bill online is the easiest option. Simply 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.… read full answer

To pay your Home Depot credit card bill 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 Monday-Saturday or between 7 a.m. and 12 a.m. EST Sundays.

If you want to pay your Home Depot credit card bill by mail, allow 5-7 business days for your payment to arrive. You should send a personal check with your account number on the memo line to Home Depot’s credit card payment address:

The Home Depot® Consumer Credit Card Payments

Home Depot Credit Services

P.O. Box 9001010

Louisville, KY 40290-1010

You cannot make a Home Depot credit card payment in-store. Your only payment options are online, over the phone, and by mail.

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
• 0% deferred interest for 24 months on RainSoft or EcoWater Installed Water Treatment purchases of $600 or more: Home Depot Consumer Credit Card

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.

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.