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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Quick View

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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

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