The Home Depot Consumer Credit Card

For People with
Fair Credit



The Home Depot Consumer Credit Card is a store credit card issued by Home Depot.

You may also want to look at The Home Depot Project Loan (Review).

If you’re a contractor or other Home Depot customer, check out The Home Depot Commercial Revolving Charge Card and The Home Depot Commercial Account.

Where can I use my The Home Depot Consumer Credit Card?

This card can only be used at The Home Depot.

Card Quick Facts

Card Quick Facts

  • First purchase special financing options of $299 and up.
  • Heating & Air Conditioning: No interest for 12 months for installing heating and air conditions on purchases of $299 or more.
  • Building Materials: No interest for 12 months for installed roofing, siding, windows, insulation, gutter, and leaf protection on purchases of $5,000 or more.
  • Water Treatment Offers: No interest for 12 months for water treatment offers of $299 or more through 1-800-HOMEDEPOT.

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details




How to Redeem

Introductory Bonus

  • 10% off your first purchase or up to 24 months special financing
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 17.99%, 21.99%, 25.99%, or 26.99% (Variable)
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 10 reviews
by KC
Citibank/Home Depot Card - WORST SERVICE

Don't ever get this credit card. Home depot credit card managed by Citi Group is the worst ever card I came across. As others said, customer service is worst. They charged you interest for promotional balances even if you pay on time and will charge you much in late fee errors.DON'T EVER TAKE IT EVEN IF OFFER SEEMS GOOD.i would have given ZERO stars if possible.

by Adam in San Diego
Not Worth it

What a waste of time......I was purchasing a fridge online and saw a banner for $100 off a purchase of $1000 or more if I open a Home Depot credit card. The banner disappeared but I proceeded to open a card. Note that I have a household income over $150,000 and 700+ credit, but the credit limit I was given was $500, only $2,000 short of the fridge transaction. So now I have a credit inquiry and new card with a limit insufficient to purchase the fridge or get the $100 off. To make matters worse the transaction went through on an insufficient credit card oddly and when I called they said that the website had accepted the order but it was rejected on their end, yet I received no email that it was cancelled, I only found out after calling the credit card company (CITI) whom told me to call the store, whom told me to call the credit card company back. Turns out CITI was able to raise my credit limit over the phone, but I had to re-order the fridge and set-up deliver again. Ordered it a second time, it was delivered, then I got my first statement, no $100 off......Called them and they said it was because I did not enter a promo code, funny because I was not given a promo code, on e was not present on the banner, and when I called to increase the credit limit to even be able to order it, they said it would be on the statement. Well they did push the $100 off through and it showed on my 2nd statement, so I can't call it a scam, but it was painful and time wasting to accomplish. Next time I will use my Capital One card with 1.5% cash back and take the $37 and save the hassle. Now I paid off the card and am trying to close the damn thing, nothing online on the home, customer service is closed, so I guess I get to call them yet again tomorrow.

by Bryan Trevino
Do not get a Home Depot Card(Citibank)

Absolutely do not get a Home Depot credit card! I have a home depot card and they will put you on random promotions and confuse a customer with expiration dates, amounts that were purchased during certain periods of that promotion and then you will wind up getting random $1000 plus interest fees even though you are making plenty above the minimal payment and have a fantastic history of paying the card. They will not work with you to adjust $1000 dollar added fees a month to make it more affordable, and keep adding on to your total balance. Even if you are a 700 plus credit score, you are not allowed to rerun your credit to get better interest rates or anything similar to what other credit card companies do or any form of bank loans etc. ... I have never had a credit card with the unfair practices these guys allow!! I would completely advise against it!

by gh
NEVER have had a problem. Great service

Seriously? These reviews are hilarious. I have had numerous Home Depot cards for years, as have MILLIONS of other customers. These 6 lowball whiners complain about issues that are so petty and probably their own fault. It's a great card, with great offers. All lending info is CLEARLY STATED, if you bother to read it

by Darryl

Do not get credit from them, Worst thing I’ve ever did. Predatory lenders.

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