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Home Depot® Credit Card
Home Depot® Credit Card
Info about Home Depot® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
753Reviews101Q&AContactAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 24 months, 17.99% - 26.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
June 21st, 2022
Home Depot® Credit Card Pros & Cons
No membership fees
Qualify with fair credit
No rewards
No rewards bonus
High Regular APR
Deferred interest
Home Depot® Credit Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | Yes, chip-and-PIN |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Limited-time offer: 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. Terms Apply.
Deferred Interest Details: No interest if paid in full within 6 months on purchases of $299 or more.
Deferred Interest Financing: No interest if paid in full within 24 months Installed Water Treatment purchases of at least $600.
Deferred Interest Financing: No interest if paid in full within 12, 18 or 24 months on Installed Generator purchases of at least $8,000, $10,000 or $12,000, respectively.
Deferred Interest Financing: No interest if paid in full within 12 months on Installed Fencing purchases of $5,000 or more.
Questions & Answers
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Purchase Intro APR0% for 6 - 24 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR17.99% - 26.99%
Regular APR26.99% (V)
Regular APR24.99% - 29.99% (Variable)
Rewards RateNone
Rewards RateNone
Rewards RateNone
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Home Depot® Credit Card Video Review
Home Depot® Credit Card Reviews
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3.5
753 reviews
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1 Star Rating
Very disappointed with this card. I was on the website looking for a new mat for my front porch and found one I really liked and decided to order it. On the page to go and make the purchase I was informed that I could pay $17 and some change for the mat instead of the full price, if I applied for a Home Depot credit card and used it for my purchase. Little did I know, but the charge was for full price and I had to wait another billing cycle to get the credit! Ripoff! Very deceitful! That means I must pay the full amount on the card or pay interest on it before the credit is issued! Then I will have to purchase SOMETHING ELSE at Home Depot for $25! If I had known this I would not have applied for the card. BEWARE!!!
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5 Star Rating
Verified CustomerA convenient credit card that maintains a record of all purchases. This facilitates refunds on return items without the need to have a receipt.
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3 Star Rating
Verified CustomerI’ve had issues with O% APR for 6 months not always going through and issues with automatic payments not showing up on the Home Depot account.
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5 Star Rating
Verified CustomerFIRST OF ALL THE CUSTOMER SERVICE IS GREAT AND THIS HOME DEPOT CREDIT CARD WORK OUT GOOD FOR ME BECAUSE I AM DOING A LOT OF HOME IMPROVEMENT TO MY HOME.
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1 Star Rating
Verified CustomerThis is the worst credit card I have ever had. They are so sloppy with recording online payments and so quick with assigning late fees. No customer service! Do not bother calling the 800 number. You get a robot telling you to push a number Do not chat on line. You will go round and round with their prefabricated responses.
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1 Star Rating
Verified CustomerDo never use hate this card. Worst ever to have go with a better one to have them this one and they don’t have sympathy for anyone if you have a hard time or anything
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3 Star Rating
Verified CustomerThe problem with Homdepot is they like to open multiple accounts on one card holder!!! They gave me two accounts at a lower credit line, and next gave me a $5000 limt. Just this March 2021 they closed an account without my consent! I do not need them to keep opening accounts that I don't need! And closing stupid accounts that I already paid off just because I will never use them again!!! Your teaser offers aren't any interest to me because I will never max out my current limit you hurt my score by erroneously closing the aforementioned account!!!
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1 Star Rating
Verified CustomerPaid account in full July 9, 2021, then they tacked on a $2 fee and reported me over 30 days late in September 2021. Should not be interest on zero balance.
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5 Star Rating
Verified CustomerThey gave me the opportunity to establish a good rapport. I shop at Home Depot often and therefore I am happy that I was able to get started with some sort of credit limit although I was hoping for a higher limit, I can appreciate the opportunity. So far my experience has been good and I am proving myself to be considered for an increase in a short period of time.
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4 Star Rating
Verified CustomerHome Depot was there when I needed more stuff to fix my roof. The people that work there were very helpful. They helped me find what I needed and loaded it into my truck.
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Offer last updated: Jun 21st, 2022 at 09:25 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
26.99% (V)
ANNUAL FEE
$0
REWARDS RATE
None
BONUS OFFER
None
MINIMUM CREDIT