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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Create your own review

Average rating:  
 8 reviews
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.

by Jim
Avoid citibank/Home Depot card

made a purchase for $19.29 and returned the purchase for $19.29 fourteen days before bill was I am getting calls from collections for $19.29 Customer service took three tries before getting someone who was polite and helpful. They told me as a courtesy they removed the "late fee" what a joke! I closed my account and this better be the last of it!!!

by jami
Home Depot Credit Is A Scam!!!!!!

My husband has a Home Depot credit card(HUGE MISTAKE!)Citibank and Home Depot have their own system for paymentsrelating to Home Depot purchases, did you know that?I am trying to pay off the balance on that Home Depot creditcard, for a purchase for some items in January 2018.For some weird reason I tried to pay two payments on myauto pay account with Home Depot ( thru Citibank)I created this account for fifty dollars monthly.I tried to make a double payment in March.Citibank did deducted the fifty dollars on my checking account.For some unknown reason a deduction was made for fiftydollars from my checking account to Home Depot!.I have no idea why?. All payment payments and deductionsare thru Citibank only. Our statement had reflected a correctbalance for about seven hundred dollars. This problemwith Citibank on March 10th. I made the payments on March10th. Citibank showed a payment reversal what does that mean?This increased the Home Depot credit balance an increase offifty dollars which brought the correct balance over eighthundred dollars!. If you are not the cardholder on the HomeDepot credit card they refuse to provide any answers forproblems,concerns or anything relating to their card!.I am on the Home Depot card as a payment source, whichI am. That has no importance to Home Depot!.As a friend never use a Home Depot card for any purchasesat their stores. Who will you dispute transactions if youpurchased thru Home Depot!. No one!. Citibank has adirect arrangement with Home Depot where you will onlyspeak to Home Depot never Citibank directly.!If you choose to purchase anything from Home Depot usea credit card. The best choice is never to purchase from anyHome Store.!Please do not ever use a Home Depot Card!.You will be very sorry as I am.!

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