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. This card offers 6 months financing on eligible purchases of $299 or more, and zero liability protection on unauthorized charges.

Unlike the Lowe's Advantage Credit Card (Review) which offers 5% off eligible purchases, the Home Depot Consumer card does not offer any spending rewards.

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

  • 1-Year hassle-free returns
  • 6 months financing on purchases of $299 or more and up to 24 months financing during special promotions
  • Zero liability protections

For People with
Fair Credit



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Card Details



This card does not offer rewards.
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 0% for 6 months
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 $38
Returned Payment Fee Up to $38
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.

  • 6 Months Every Day Financing On Qualifying Purchases Of $299 Or More

    No interest if paid in full within 6 months financing on purchases of $299 or more

Visitor Reviews

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

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Create your own review

Average rating:  
 17 reviews
by Sabrina
Home depot dont waste your credit score

I got semi approved on line. My credit score is over 740 all my 5 credit cards are paid in full. I was told that I would need to come into the store with a drivers Id and major credit card to verify its me. I went into the home depoit when it was a snow storm in my town. I showed the customer service my id and major credit card. She called the credit dept they asked me a few more questions then they approved and print me out a temporary card for a 2,500 credit limit told me congratulations and to go shopping. I dint go shopping that day I waited three days. Went into the store with some one decided since I was there to make a small purchased using my temporary card to see how it worked. My card was declined. The store clerk called the credit dept again to see what the issue is she was told By them that I wasn't approved and for me to call them to see why. As soon as I left the store and got in my car I called the credit dept to see what the problem was. I was on hold for 20 minutes and was told that they cant tell me over the phone to wait for a letter in the mail. I never was treated like this by any credit card company. I just bought my 1st home and was told to get a home depot card as soon as I close in case I needed house repairs. Ooh what a mistake I made applying for they card. My score went down because these nuts checked my credit. I wouldn't accept a card from them even it was a $10.000 limit

by Collette
Missing $3,000+ payment

On Jan 15th 2019 I went to my bank and got a cashier check for over $3000 to pay my bill in full! They cashed it on Jan 21st. My account is in auto pay. I get a notification that they took the payment out. I called and said I paid this in full. They can’t find my payment. I go to my bank get the actual receipt of the transaction and that it was cashed. I have called numerous times and they still haven’t updated my payment I get the run around every time. My next step is call my local news investigator. Who just can cash a $3,000 check written to Home Depot with out proof?

by Kiril Minev
Stay away from Home Depot financing

I have experience with buying appliances from Lowes many times and this is my first time working with Home Depot financial service. I must say it will be the last. They approach as a loan shark. I just got dumped the %40 promotional interest at $4k with remaining balance of $3k and I just missed the grace period to pay off the balance and reverse the interest. That has happened to me before with Lowes and they had a lot more understanding and reversed it in favor of keeping repeating customer and I did spend around $50k with Lowes. Home Depot will certainly not get a cent from me moving forward due to their malpractices.I understand that somewhere in the many pages the promotional interest is written with very very small font, but consumers assume this works a credit card not Loan Shark establishment.Needless to say they do not want to make an exception even though I have my reasons for not seeing the statement on time, due to being out of the country etc.Hopefully this review will steer some hard working people away from using Home Depot's financial services.

by Molly M
Do Not Apply

My husband and I applied for a Home Depot credit card. We were approved and proceeded to raise our credit limit(because standard issued credit is only $1000, which they had to rerun the credit) and we were approved again. We went to make our first purchase of $3000 and the credit card company denied it, even though it being well below our credit limit. The credit card company told us we were trying to commit fraud. My husband provided them with the answers to their questions, SSN , Address, Phone Number(which they were sending texts to the phone number). And the proceeded to say it was fraudulent activity to buy new flooring for our home and the phone number was incorrect(still receiving texts). They hung up on us, the Home Depot employee tried calling them back and was hung up on as well. We let a few days pass and tried calling their customer service line and was told no information about this account can be provided.My recommendation is DON’T.

by Darrinisha
Do not get

I was told I could only make a payment via bank transfer. The payment was flagged for money laundering. They said they needed to verify with my bank but could not wait on the phone for more than five minutes because that would cost them money. So my card is tuck in limbo because they refuse to wait on hold for more than five minutes to verify with my bank. The money was taken from my account already. The customer service is horrible. They also said well we can just cancel the card since you have a attitude. Who wouldnt have a atittude if someone took your money for a payment but had a policy that they needed to speak with your bank but refused to wait more than five minutes. I was hung up on by one lady because she said I already called earlier. The customer service is horrible. DO NOT WASTE YOUR TIME. The sixth month deferred payment and interest is really not worth it.

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