The Home Depot Consumer Credit Card is a store credit card issued by Home Depot.
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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- Annual Fee $0
- Intro Purchase APR -
- Regular Purchase APR 17.99%, 21.99%, 25.99%, or 26.99% (Variable)
- 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
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.
Read about experiences others have had with this card and leave your own review here.
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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!!!