Can I use my Home Depot Credit Card to buy gift cards?

This question is about the Home Depot® Credit Card

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts 04/30/21 This answer was first published on 04/30/21. 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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Yes, you can use your Home Depot® Credit Card to purchase gift cards along with anything else Home Depot sells. You won't be able to buy any gift cards outside of Home Depot, though.

The use of your Home Depot® Credit Card is restricted to in-store and online Home Depot purchases. To be able to make purchases pretty much anywhere you want, you'll need a credit card that belongs to a major credit card network.

Home Depot® Credit Card

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Bryan Cotes, Member

@Bcotes4611 01/12/21 This answer was first published on 01/12/21. 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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You absolutely can buy gift cards AND Visa or MasterCard cards. I know from personal experience. Store credit cards I don't know. Probably not.

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Is the Home Depot Credit Card worth it?

The Home Depot® Credit Card is worth it if you're looking to undertake a big home project. It comes with a $0 annual fee and offers 0% interest for new purchases. That means that you can save money on interest for any new purchase you get.

On the flip side, this card can only be used at Home Depot, and has an above-average APR of 17.99% - 26.99%, based on your creditworthiness. So it’s not ideal for everyday use.… read full answer

Also note that the Home Depot® Credit Card has a deferred interest payment plan. What that means is that if you buy something with 0% interest for 6 - 24 months, you can't miss a single payment. If you do, interest will be retroactively applied for the original purchase amount, as if there was no intro APR at all.

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Applicants generally need fair credit, which means a score of at least 620, to get the Home Depot Credit Card. However, having such a credit score doesn't necessarily mean that you will get approved. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. They also take into account numerous factors that aren't necessarily incorporated into your score, such as your income and outstanding debt.… read full answer

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