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The Home Depot Consumer Credit Card

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This card doesn’t offer any spending rewards, but you will get six months of financing on eligible purchases of $299 or more, and up to 24 months during special promotions. Other perks include one-year hassle-free returns and zero liability protection for unauthorized charges made to your account.

Citi is a Credit Card Insider advertiser.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 17.99%, 21.99%, 25.99%, or 26.99% Variable
Intro Purchase APR: 0% for 6 months

The Home Depot Consumer Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR None
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
The Home Depot Consumer Credit Card


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


Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-875-5488 or

Try a different phone number
See all Issuer Cards

The Home Depot Consumer Credit Card is a store credit card issued by Home Depot. This card offers six-month 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.

The information related to The Home Depot Consumer Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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