Maria Adams, Credit Cards Moderator
@m_adams
Your Home Depot® Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Home Depot® Credit Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and a Social Security Number.
Factors that Influence Your Home Depot® Credit Card Approval Odds
- 640+ credit score (at least fair credit)
- Enough income to pay your credit card bills
- Low debt relative to income
- Low housing costs relative to income
- U.S. mailing address
- Age of 18+
- Social Security Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income with no debts and still get approved. To get a better sense of your approval odds before applying for a Home Depot® Credit Card, you can check to see if you're pre-qualified online. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting the Home Depot® Credit Card. Plus, it won't affect your credit score.
If you want to enhance your application by improving your credit score, WalletHub's free credit analysis can tell you what steps to take.

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