What are the Home Depot Credit Card requirements for approval? This question is about the Home Depot® Credit Card

The main Home Depot® Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least fair credit. Home Depot® Credit Card Requirements At least 18 years old Physical U.S. address (no P.O. boxes) Proof of enough income to make the monthly minimum payment Social Security number or ITIN Fair credit or better If you apply for the Home Depot® Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.

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What are the Home Depot Credit Card requirements for approval?

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This question is about the Home Depot® Credit Card

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Chip Lupo, Credit Card Writer

@CLoop • 10/17/22 This answer was first published on 10/11/21 and it was last updated on 10/17/22.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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The main Home Depot® Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least fair credit.

Home Depot® Credit Card Requirements

At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Fair credit or better

If you apply for the Home Depot® Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.

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How can I pre-qualify for the Home Depot Credit Card?

You can pre-qualify for the Home Depot® Credit Card either online or by receiving a pre-approved offer from the issuer, in the mail. Keep in mind that getting pre-qualified for the card indicates that your chances of being approved for an account are very high (90%), should you decide to apply. It does not mean that approval is guaranteed.

How to Pre-Qualify for the Home Depot® Credit Card Online

Visit the Home Depot® Credit Card pre-qualification page.
Enter your name,...

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How do I apply for a Home Depot credit card?

To apply for a Home Depot® Credit Card, you can fill out an application on the Home Depot website or in any Home Depot store. You will need to provide some personal information, such as contact info and your Social Security number. Once you submit your application, you’ll generally get an instant decision, but some applications can take up to 10 business days to be reviewed. At the moment, applying by phone is not an option.

How to apply for a...

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What's the Home Depot Credit Card interest rate?

The regular Home Depot® Credit Card interest rate is 17.99% - 26.99%, depending on your creditworthiness. You'll need at least fair credit (a credit score of 640+) for approval. If you have fair credit, you may end up with an APR on the higher end of the range.

It's worth mentioning that the Home Depot® Credit Card offers a financing offer of 0% for 6 - 12 months on purchases. However, it's a deferred interest offer, rather than a true 0% APR period. So, if you pay one month’s...

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