WalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APRDeferred interest
Info about the Home Depot® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
APRReviewsFAQContactExcellent Credit, Good Credit, Fair Credit
$0
0% intro APR for 6 months, 17.99% - 26.99% APR after that
Balance Transfers Not Allowed
by John Kiernan
September 12th, 2023
No membership fees
Qualify with fair credit
No rewards
High regular APR
Deferred interest
| 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.
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. In addition, WalletHub independently collected information for some of the cards on this page.
The Home Depot credit card does not come with a daily spending limit; rather, there's a total credit limit. This means that you can charge up to a certain dollar amount on your credit card account, after which you generally have to pay down your balance to be able to charge again. It doesn't matter whether you spend that amount within a single day or a month.
Your credit limit on the Home Depot...
The Home Depot® Credit Card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Home Depot® Credit Card and a metal credit card, though, so don't dismiss the Home Depot® Credit Card just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.
Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit cards are...
No, the Home Depot® Credit Card is not a cash back credit card. In fact, the Home Depot® Credit Card is not a rewards card at all, so you won't get anything back for making purchases. There are plenty of other cash back credit cards to consider, though.
Alternative Credit Cards with Cash Back Rewards
If you are looking for a good cash back credit card, you can take consider other options, like the Chase Freedom Unlimited®. This card offers 1.5 - 5% cash back...
You can add a Home Depot Credit Card authorized user to your account using Citi's online process.
Log into your Citi account online. Go to Account Profile menu and select Add Authorized Users.
You can also call 1-800-677-0232 to add an one.
By adding an authorized user you become responsible for the user's spendings, but you will also be helping them build credit.
Home Depot credit cards are closed automatically if they haven't been used for 24 months.
You should've, however, received a written notification about this decision, giving you a time frame in which you can resume using it to avoid closing.
Other reasons for issuers to close a credit card are:
Citibank, the issuer, usually pulls credit reports from Equifax or Experian to evaluate the applicants for the Home Depot Credit Card.
There are a few potential reasons for why your Home Depot credit card limit was decreased, according to the terms & conditions.One is that you've been carrying a balance higher than 30% of your overall credit limit for too long, thus having a high credit utilization. Another reason is linked to strange spending patterns or even a suspicion of identity theft.It's best to call the bank and find out why this happened.
Home Depot Credit Card accounts that are not used over a period of 24 months are closed automatically.
Still, issuers will send out a written notification if they decide to close your account due to inactivity, and you will have a specified timeframe during which you can resume using it.
To find out if your account is likely to be closed in the foreseeable future, please call customer service at 1-800-347-4934.
No, the Home Depot® Credit Card does not offer roadside assistance. The Home Depot® Credit Card has never offered a roadside assistance benefit, though cardholders may be eligible for roadside assistance through alternate sources, like their auto insurance carrier, an auto club such as AAA, or their vehicle's manufacturer.
For more information, check out WalletHub's picks for the best roadside assistance plans of 2023.
Share your insights and review for the Home Depot® Credit Card
I’ve been a customer since the first day they opened as a contractor. I need supplies at a fair rate they’ve always come through with great customer service help loading the materials it’s like going to a candy store some people like going to the movies we’re going fishing I like going to Home Depot. I could spend hours in the store. I should call it Home Depot, ManCave
H I've always been a satisfied customer when it comes to home Depot I feel they have great customer service along with good product and pricing when it comes to home repairs I choose home Depot
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Offer last updated: Sep 12th, 2023 at 10:30 ET
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