The Home Depot Consumer Credit Card

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 and our review of that.

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.

Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


Can't watch the video now? Read the full transcript here.

Quick View

Quick View

  • Rewards


  • Signup Bonus 10% off your first purchase or up to 24 months special financing
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee -
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR None
  • Late Fee Up to $35
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Special Financing Options

  • First purchase special financing options on purchases of $299
  • 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.

Visitor Reviews

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

Submit your review

Create your own review

Average rating:  
 2 reviews
by Tyler Schott

I have the Home Depot credit card because they had the siding I liked for my rental. After getting this card my uncle told me I should get the Pro Xtra Membership? I then asked a employee how I go about to apply for this? She gives me an 800 number and today I spent 40min on the phone getting transferred to 4 different people. NO ONE seems to know what this is or how to apply? Finally the 5th person tells me I need a Commerical Credit Card to get this benefit. Thank you Home Depot for all your wonderful customer service, it stinks! No wonder I have always shopped at MENARDS. After spending over 2,000 in 2 weeks I find out I should of had the Commerical Credit Card.

by Melinda Bills
Dishonest company

I got the card less than a year ago to use for emergency. I am a new homeowner so things come up. Well I didn't end up using it. I got a letter in the mail saying it was closed because my credit was bad. Even though my credit didn't change. So I call them and the customer service rep said it was closed due to inactivity. I said so it wasn't closed because of my credit. And he's like oh yea that too. Said I was able to reapply. I told him I would never give them a shot again because they were very dishonest! That's fine if they wanted to close my account due to inactivity but why lie about it?! Very unprofessional! I do not recommend at all!!! They are not worthy of my business! Should of looked at all the bad reviews before I applied. This better not affect my good credit by them closing it. If it does they will fix it!!!

The Insider

John Ganotis
Review of the Store Card
John Ganotis | Dec 15, 2017

Read More
John Ganotis
Can You Buy Bitcoin with a Credit Card? Should You?
John Ganotis | Dec 14, 2017

Learn how buying Bitcoin on a credit card impact your credit scores, and what you should look out for. Read this to get those questions answered and more.

Read More
Brendan Harkness
Review of the Deserve Classic, Edu, and Pro Credit Cards
Brendan Harkness | Dec 13, 2017

The Deserve credit cards are designed for people with limited or poor credit, checking your education and future prospects when you apply for them.

Read More