Home Depot® Business Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and customer service info for The Home Depot® Business Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Home Depot® Business Credit Card, also known as the Pro Xtra Credit Card, is a good option to consider if you have multiple employees who need to make company purchases at Home Depot on a regular basis. There’s no annual fee, and you can set up custom profiles for each employee to track their spending. You can also save $25 - $100 on your first purchase with this card.Info about the Home Depot® Business Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.9/5
145 reviewsRead and write reviews
Editor’s Review
2.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
4.0
Other Features
0.0
2.3/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
21.99%
Balance Transfer
Balance Transfers Not Allowed
Home Depot® Business Credit Card's Additional Info
If billing address is in GA or NC at account opening Purchase APR will be 15% and Default APR will be 20%.
Get $25 off your first purchase of $25 up to $299, $50 off your first purchase of $300 up to $999 and $100 off your first purchase of $1,000 or more (valid until 7/29/2026). Terms Apply.
Authorized User Cards automatically loaded to your Pro Xtra profile.
Make low monthly payments or pay in full each month.
Issue cards to employees entrusted to make purchases on your account.
Easy purchase tracking with specialized Digital Account Alerts.
The Home Depot® Business Credit Card, also known as the Pro Xtra Credit Card, is a good option to consider if you have multiple employees who need to make company purchases at Home Depot on a regular basis. There’s no annual fee, and you can set up custom profiles for each employee to track their spending. You can also save $25 - $100 on your first purchase with this card.
This card is worthwhile as long as you pay the bill in full monthly and thereby avoid interest charges. Paying interest would get expensive quickly, thanks to an APR of 21.99%. Plus, there aren’t a ton of perks to make up for any interest charges you incur. Supposedly, cardholders earn perks four times faster, but there’s little information about what those perks actually are.
You need at least fair credit personally to qualify for this card, which means you need a score of 640+ to have good approval odds. You can get your free credit score right here on WalletHub to see where you stand.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.9
Market Comparison
2.3
fees: 5.0
rewards: 0.0
cost: 4.0
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.8
Market Comparison
4.0
fees: 5.0
rewards: 2.4
cost: 5.0
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
Market Comparison
4.1
fees: 3.8
rewards: 4.3
cost: 4.4
Other Features: 0.0
(145)
(190)
(1)
annual fee$0
annual fee$0
annual fee$0
rewards rateNone
rewards rate 1 - 5% Cash Back
rewards rate 2% Cash Rewards
bonus offerNone
bonus offerNone
bonus offer $500 Cash Rewards
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Can't find what you are looking for? Submit your question about Home Depot® Business Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way to apply for the Home Depot® Business Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Citibank's website. Alternatively, you can apply in store.
Keep in mind that the Home Depot® Business Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.
Ways to Apply for the Home Depot® Business Credit Card
Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More” on sites like WalletHub or through Citibank's website. You will then need to fill in your personal and financial information.
In Store: Visit a local Home Depot store and let a representative know that you would like to apply for the Home Depot® Business Credit Card. Then, fill out the application with your personal and financial info.
How to Apply for the Home Depot® Business Credit Card Online
Go to the application page on Citibank's website or click the “Learn More” button on sites like WalletHub to be taken there.
Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
Fill in the requested financial information such as your income, sources of income, employment status and housing status.
Authorize Citibank to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
Double check to make sure the application is complete and all the information is accurate.
Submit the application.
Once you've submitted your Home Depot® Business Credit Card application, you may receive a decision right away. However, it can take Citibank up to 30 days to reach a decision. If approved, you'll get your new card in the mail within 7 - 10 business days.
You can make a Home Depot® Business Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay a Home Depot® Business Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.
Ways to Make a Home Depot® Business Credit Card Payment
You can check your Home Depot® Business Credit Card application status online or by phone at 1 (800) 685-6691. For both methods, you'll need to provide your application ID and ZIP code so that Citibank can match you to your application.
How to Check Your Home Depot® Business Credit Card Application Status Online
The Home Depot® Business Credit Card grants you an automatic Pro Xtra membership, which provides benefits like competitive pricing and special delivery options. The card has a $0 annual fee and is intended for applicants with at least fair credit.
You can only get pre-approved for the Home Depot® Business Credit Card if you receive an offer to apply. The issuer does not offer pre-approval through its website, so if you're interested in applying for the Home Depot® Business Credit Card, you'll have to do so without the benefit of checking for pre-approval beforehand.
If you're not sure which business card is right for you, try using WalletHub's CardAdvisor tool, instead. Just answer a few general questions, and based on your responses,...
Yes, the Home Depot® Business Credit Card reports your account activity to all major business credit bureaus: Dun & Bradstreet, Experian and Equifax.
The card will send reports to these bureaus every month. By doing that, it can help you build credit score for your business, as long as you make your payments on time and keep your credit utilization low.
You can get a replacement for your Home Depot® Business Credit Card by logging in to your online account, using the Home Depot App for iOS and Android, or by calling customer service at (800) 677-0232. There is no fee to get a Home Depot® Business Credit Card replacement, which should arrive within 5-7 business days.
How to Get a Home Depot® Business Credit Card Replacement
Online: Log in to your online account. Click the "Help & Contact Us" tab and then select the link to "Report...
There is no disclosed starting credit limit for the Home Depot® Business Credit Card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Things to Know About the Home Depot® Business Credit Card Credit Limit
The Home Depot® Business Credit Card credit limit that you start with won't necessarily be...
Share your insights and review for the Home Depot® Business Credit Card
5
16%
4
68%
3
10%
2
2%
1
4%
3.9
145 reviews
145 reviews
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ngalex53 @ngalex53
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1 Star Rating
Verified Customer
Unbelievable. All but impossible to see what your actual purchases are. Customer service is no help with that. You must go to a store and request a print out. ALSO if you don't pay your entire balance off each month, but DO make at least the minimum payment due, you STILL have a $60 fee for not fully paying off your bill each month! Is that legal? Very disorganized, and difficult to navigate all systems related to this card. I've had mine 3 months, and will be paying off and closing my account this month. Never again. There is NO benefit to having this account.
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tbc19533 @tbc19533
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1 Star Rating
Verified Customer
Poor communication. Statement not received, no attempt to contact us until turned over to collection. Was a $16.94 charge turned into $264. If they would have called the number they gave to the attorney,we would have taken care of it. If I was to stiff someone, it would be for a lot more the 16.94!
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Mindy Henderson @mindy_2
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1 Star Rating
The website is full of bugs. Cannot do simple things like ACTIVATE A MOBILE PHONE NUMBER to receive text notification or change email addresses where notices go. I HATE THIS WEBSITE WITH A PASSION!!!!!
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Chris J @4mybuying
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1 Star Rating
Horrible customer service. Long wait time, rude employees, refusal to properly explain card aspects, and refusal to allow customer to speak to another employee. Either prior employees or most current lied. This is unacceptable.
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1
Tyler Regan @tyler.regan.5
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5 Star Rating
The company I've worked for for around 7 years has been using the Home Depot Business Store Card almost exclusively. The business is a small residential home building construction company and with all the changes that homeowners make without much warning, it is necessary to have an option that is convenient and fully stocked. They even have staff workers on hand that can cut lumber and even weld which makes getting back on the job a breeze! I would highly recommend the store, and the store card to anyone in the business of construction, or anyone who likes convenience when renovating someone else's home or your own.
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2
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Mary Stouffer @mary.stouffer.7
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5 Star Rating
My husband and I had a business home depot card or our small business company. It was very convenient when we were out on a construction job and something would come up, and we needed a different tool, or the customer would change their mind about the project, so because they have so many locations, we normally would not have to drive too far and normally they would have it in stock. Although my husband has passed away and we no longer have the company I still use it for many of my projects around the house. They always seem to have plenty of help on hand to help you find something or help you decide which is the best material for the job at hand. I would recommend home depot to my friends, family, and any business associates.
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Jenette Morrow @jenette.morrow
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5 Star Rating
My husband and I own a small construction outfit so having an excellent material supplier is a basic lifeline of ours. Having access to available credit for materials was especially important when we fist started out but is still an important staple needed for our continuing success. Home Depot was the first place we applied for the credit we needed to start our business. I definitely feel lucky that they accepted us because they have been wonderful. I have never had a problem or even a small issue with them. They have always tried to accommodate us.At one point we even needed an emergency increase in our credit with them and they gave it to us while making us feel good about it instead of the lecture that some companies might give you. When we first started out we had to make the minimum payment at times but now that we are on our feet we are able to pay the amount owing every month, most of the time, and are rewarded for doing this with not having to pay any interest that month. Which as you all know is a definite plus. However the interest rate we have to pay when we can't pay the amount in full is very low. I recommend to obtain this card to anyone who is starting out or even well established, this cad will be an asset to you.
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Jordan Selin @jordan.selin.5
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5 Star Rating
I have had the home depot credit card for several years now and have always had nothing but the best service with this card. I have used this card to make purchases from everything as small as light bulbs to buying siding for my house. They often offer promotions and great discounts for using your home depot card. When I first opened the card I recieved a year with no interest and used it to carpet my entire home and was able to pay it over time with no interest. I like the fact that you will often recieve coupons in the mail to use with you card to make no interest purchases. I also love the ease of making a payment I can just stop by any home depot and make a payment in just a few minutes. The customer service has always been great as well very attentive and always very helpful. I have only had two situations in which my account had an issue and both times I was charged interest during a time when I should not have been charged. On both occasions I called the 800 number and was able to speak to a person and have the problem cleared up quickly and with minimum hassle. Great company and great card.
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+ 137 WalletHub users submitted a rating without writing a full review
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* The information about the following cards has been independently collected by WalletHub: Amazon Business Prime American Express Card and Home Depot® Business Credit Card.
