How do I check the balance of my Home Depot gift card
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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.
796Reviews107Q&AContactAPRWalletHub 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
WalletHub Review
by John Kiernan
September 27th, 2022
Home Depot® Credit Card Pros & Cons
No membership fees
Qualify with fair credit
No rewards
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 Details: No interest if paid in full within 12 months on Installed Fencing Purchases of $5,000 or more.
Deferred Interest Details: No interest if paid in full within 24 months on Installed Water Treatment purchases of at least $600.
Questions & Answers
Can't find what you are looking for? Submit your question about Home Depot® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How can I freeze my Home Depot Credit Card?
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Can I pay my Home Depot Credit Card with Home Depot store credit?
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Where can I check my Home Depot Credit Card available credit?
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How can I get a Home Depot virtual credit card?
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Do you need the ID to use the card?
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What's the minimum credit score requirement?
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Compare The Home Depot® Credit Card
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
Share your insights and review the Home Depot® Credit Card
3.5
799.52 reviews
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4 Star Rating
Verified CustomerI shop at homedepot regularly, I can track all my purchases with ease with this card...Love the convenience and same as cash options...
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5 Star Rating
Verified CustomerExcelente tarjeta y buenos beneficios la recomiendo al 1000% gracias por la oportunidad y los especiales. Y te la aprueban super rapido
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1 Star Rating
NOT WORTH IT. —- Almost no rewards and horrible customer service. I would have not bothered even applying if I knew what a worthless card this was.
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1 Star Rating
Verified CustomerThey don't have a easy way to pay, the home online page crashes a lot and payment thru them suck, I have to go to the store to make a payment. What a inconvenience!
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5 Star Rating
Verified CustomerGreat card to have! It is always there when I need it! I can always count on the zero percent to make mine and all of my family’s life a little bit easier! Thank you Home Depot!
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5 Star Rating
Verified CustomerIt’s a straightforward credit card with high interest that you should pay off the balance in full woh every month and not miss your payments
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1 Star Rating
They will give you a low credit limit, which essentially ends up damaging your credit because most home projects cost several hundred dollars. This requires you to pay down everything you purchase immediately, but you get no benefit outside of an extended returns window. To boot, they won't credit your electronic payment, debited directly from your bank account, for 21 days. Obviously, this renders moot paying down your card to keep the utilization in the green, but it also means you cant use the credit you just paid down. So, you send them $1K, they sit on it, and don't let you use that $1K for 21 days. It is absolutely bonkers. Online customer service sucks. They are rude, don't provide detailed answers, and literally are just a waste of time. You have to call if you want any semblance of a coherent, respectful response. My advice: don't waste your money. Get a Lowes card where they give you 10x the credit limit.
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3 Star Rating
The card helps to boost your credit score as long as you make timely payments but there isn’t a reward system with the Home Depot card. The easiest way to accumulate points is to download the Home Depot app and create a ProXtra account. Business licenses and tax exempt id numbers are not required so the process is quite simple. Once you link the Consumer card to your account you can manage your account through the app and the app keeps record of what you buy. This can not be done with a Home Improver card however.
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1 Star Rating
Verified CustomerLittle benefit to this card. There are much better choices than this card. Plus, most cards give money back or better yet discounts for contractors.
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4 Star Rating
Verified CustomerSo far so good and very informative. I like the simulator and the possibilities that it project's for omy financial future.. I am amazed at how it q hi
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Review Home Depot® Credit Card
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Offer last updated: Sep 27th, 2022 at 07:07 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