Office Depot Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Office Depot Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditHigh regular APRDeferred interest
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 "Improve Credit by Paying in Full Each Month." A score of 10 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.
Info about the Office Depot Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR174Reviews13FAQContact
RewardsAPRWalletHub ReviewFAQUser Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Link your rewards membership to your credit account and get 2% back in rewards on everything automatically.
Rewards certificates are issued monthly once $3 or more is earned.
Become a VIP member and get 5% back in rewards on ink, toner, paper and print/copy/ship services and free delivery on eligible items when you spend $500 in twelve months.
Get $2 back in rewards when you recycle your ink and toner cartridges (up to 10 cartridges per month). $10 minimum monthly purchase required.
Redeem rewards instantly at checkout in store, online and on the go.
Bonus rewards for members-only.
APR on Purchases
0% intro APR for 6 months, 31.24% (V) APR after that
Can't find what you are looking for? Submit your question about Office 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.
You can apply for the Office Depot Credit Card either online or in person at an Office Depot store location. Just note that the Office Depot Credit Card requires a credit score of 640 at a minimum. That means you need fair credit or better for approval. If you'd like to know where you stand, you can check your credit score for free, right here on WalletHub.
If not instantly approved, you can check your Office Depot Credit Card application status by phone. To do so, call customer service at (800) 244-3113...
The credit score needed to get an Office Depot Credit Card is generally within the Fair score range (640-700). However, as with most other credit card applications, Citibank will look at more than just your score when deciding. They'll check your entire credit history for negative marks, but also take your income and overall debt into account.
When you apply for the Office Depot Credit Card, all three major credit bureaus (Equifax, Experian, and TransUnion) may be used to review your application.
According to reports from cardholders, Citibank tends to use at least two of the three available credit bureaus. That being said, people who applied for the Office Depot Credit Card over the past two years reported that Citibank pulled from Experian more frequently than Equifax or TransUnion.
The fact that Office Depot Credit Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, due to a cash advance fee and a separate cash advance APR that apply as soon as you withdraw the cash. There may also be ATM-owner fees, depending...
No, you cannot use your Office Depot Credit Card everywhere. The card is not backed by a major credit card network (Visa, Mastercard, American Express, etc) and can only be used for purchases at Office Depot stores and online at officedepot.com.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Office Depot Credit Card offers 2% back in rewards on purchases and has a $0 annual fee. This can make the card a good option...
Share your insights and review for the Office Depot Credit Card
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174 reviews
174 reviews
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Joshua Guzman @joshuag_13
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1 Star Rating
I opened the card a few months ago and the was charged interest right away even though they told me it was 0% for 6 months. I contacted them and they wanted to know what purchase I was talking about that didn't include interest. The store itself gave great service, the customer service told me they couldn't do anything and to go straight to the store for further assistance.
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Blake Madson @blakem_2
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5 Star Rating
I use the Office Depot Store Card on a regular basis and have gotten a lot of use out of it. It has a good intro rate, good interest after that, and has a lot of good features which help you manage your purchases and expenses. The ability to monitor your purchases and statements online makes it very convenient to use this card. While it doesn't offer any rewards, the customer service and other terms of this card make it worth it.
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Mitchell Hengesbach @meh31488
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5 Star Rating
I have used the Office Depot Credit Card on a few occasions when making a big purchase. I used it to buy furniture and a new laptop a little bit ago, and I was able to pay it all off in just a few months without being charged interest. That's the biggest perk of this card. No interest for 6 months if paid in full. Great benefit!
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Jack Raymond @jackr1
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5 Star Rating
I use this all the time for my business. I run a self made computer repair company and I have lost count of all the times this card has come in handy for me when needing stuff on the fly. With the amount of stuff I buy, the savings I accumulate are just insane! I prefer Office Depot over most big box stores for office and computing supplies. They have the widest range of photo paper which my company uses alot of as well. All in all, I would highly recommend this card to anyone who needs to get lots of office supplies and save lots of money!
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Janet Jongebloed @janet_jongebloed
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5 Star Rating
I originally got one to help with my home business, but I soon found out that there were so many other thing I could use it for! I totally recommend this card to anyone who has a home or business office!
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Michael Reed Markham @SynderLasad
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5 Star Rating
My girlfriend and i are members of a local organization. We do a lot of printing and use a lot of ink. We love coming here and using our Office Depot store card . Nice grace period and rates.
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Jon Philips @jrphillips
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5 Star Rating
The Office Depot Store Card is one of the best cards around. With a 6 month intro apr period with a great percentage, you simply can't beat a deal like this! This card is great for using instead of using your credit card, because at the same time you can potentially earn points and cash back to use at the store when you have enough points! I'm going to tell all my family and friends about it so they can get in on it too!
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Dan Diciaula @dan_diciaula
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5 Star Rating
I use the card a lot for business. The apr is a little high, but that's pretty standard for office supply stores. I pay the balance off in full each month so it's not a big deal. It's much more convenient than carrying cash or putting my purchases on a credit card. We earn rewards even though we are a small business and get tons of discounts and email coupons. I also like the fact that it keeps track of our purchases. Last week I had to re-order ink for our printer and instead of taking the printer apart and trying to figure out which cartridge I just went to office depot and they were able to locate the brand based on my previous purchases. It's convenient and saves money.
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Maren Beasly @marenb
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5 Star Rating
The Office Depot Store card is a fantastic card if you go through office supplies like I do. I seem to need reams of paper every month as well as all sorts of other office supplies. This card offers a 6 month no interest grace period, which is fantastic when I was purchasing my laptop for school. It gave me the time I needed to work off the debt that I had and let me purchase the laptop that was desperately needed for my schoolwork. Your entire account history is online so you do not have to worry about going to your local Home Depot to pay off the balance. I noticed that a lot of other store cards still use this archaic method, so I'm glad that Office Depot has learned from this. All in all, I think this card is a valuable asset when buying things in Office Depot.
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Sara Osborne @sara.osborne.146
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4 Star Rating
I used this card for all my back to school shopping supplies for my daughters. They found everything they wanted, and all the current styles. There is no annual fee and billing is fair and timely. It was an easy approval service and a quick response. Customer service is quick to answer and there is little wait time. They are also very friendly. I pay online every month, but there are various options as with most cards. There is a good rewards program where you can earn points that add up relatively quickly. There are many locations of Office Depot in my city so I have no problems using the card, or I have ordered online before which is also convenient.
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Review Office Depot Credit Card Reviews
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