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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
Share your insights and review the Home Depot® Credit Card
3.5
753 reviews
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4 Star Rating
Verified CustomerGood card to use when making big purchases at Home Depot. Not much else to it, I only use when I want to get good points out of it
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5 Star Rating
Verified CustomerHas the deferred interest option on transactions over 300. that’s really helpful. but they don’t like to give increases in credit lines. I’ve had the card 7 years and never a late payment always pay it off. not sure why
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5 Star Rating
Verified CustomerI thought that I would just get better credit if I got a line of credit and 2 credit cards with 5000 limit and a personal loan as well am I doing the right thing to increase my credit score and have money to lean back on
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1 Star Rating
Verified CustomerThey make it incredibly difficult to make your payment online. Why in heaven's name do i need to know my security code just to make a payment??? And all the superfluous hoops one needs to go thru just to access your account is just idiotic. I will go to auto payments to avoid this, but i shouldn't have to spend 20 minutes to make an online payment in this day and age. I hate this card's protocol.
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5 Star Rating
Verified CustomerReadily available store credit has been very useful especial now that they sell things I can use at at home regularly like cleaning products. Low interest rate and easy payments.
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1 Star Rating
Verified CustomerMight have to cancel this $500 limit card. I probably get 5 emails a day from them offering big ticket items with a reminder IN the message of my weak $500 limit. Perfect on my end, buy-carry for a month so they make a bit of interest, never a balance over $200 then pay it off…. and no offers of increases without a hard pull, probably to be declined anyway. I applied at Lowe’s, got $4,500 laser fast, but that’s Citibank vs. Synchrony that loves to gamble on me. UPDATE: I called to close account, rep hung up on me after hearing my request. I called back for same, had to hear how sorry they were to hear that…on and on about if it’s closed can’t be undone. Closed now, good riddance. I bought plenty there, now that business goes to Lowe’s.
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5 Star Rating
Verified CustomerGreat card with several options of 0% for 60 days. If you don't have I I would seriously consider applying for one. You won't be disappointed
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5 Star Rating
Verified CustomerHome Depot Credit Card by CitiBank is an excellent card to request because Home Depot offers percentage discounts with its first purchase, and Home Depot offers the greatest 6-months, 12-months, and 24-months special purchasing plans that make doing projects easy!
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1 Star Rating
Verified CustomerI cannot sign in, and can't get my User Id, or password to work! I'm still waiting for my $25 promo as advertised! Done with it! I do not have this much trouble with my other Credit Cards. The other credit Cards offers come through, so WHY not this one???
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5 Star Rating
Verified CustomerI love have home depot credit card, you never know at what time you need something .plus I love their promotions I can pay offer time. If you don’t have a promotion, pay what you owe every month.
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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