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.

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards

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

This card can only be used at The Home Depot.

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  • Rewards

    None

  • 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:
    • 24 Months Special Financing: On purchases of $1,999 or more.
    • 18 Months Special Financing: On purchases of $999 up to $1,998.
    • 12 Months Special Financing: On purchases of $299 up to $998.
  • 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.

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Average rating:  
 1 reviews
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!!!

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