Home Depot Credit Card Login, Payment, Phone Number, Benefits

Home Depot Credit Card Login, Payment, Phone Number, Benefits

all ten provinces of Canada; 32 Mexican states and Mexico City; and the District of Columbia. The company is a big box retailer. Interline Brands (now Home Depot Pro) is another MRO company owned by The Home Depot, with 70 distribution centers across the US.

home depot consumer credit card

With the Home Depot Consumer Credit Card, daily purchases at Home Depot can be made in the same way as with other store cards. On most appliances priced at $299 or more, you can get 12-month interest-free financing, and on heating and cooling, you can get 24-month special financing, plus seasonal offers, like Fall Can get a discount off $25 snow blowers. Many promotions throughout the year offer 0% interest for six months for purchases over $299.

How Home Depot Credit Cards Work 

Sometimes, home improvement becomes a “must have” rather than a “want.” If that’s the case, a Home Depot credit card may be the best option, especially for emergency repairs.

Several credit cards are offered by Home Depot, including consumer cards and company cards. The retailer provides its consumers with a credit card that can be used in its stores. Purchases of $299 or more are eligible for six months of 0% financing.

The admission process to the Home Depot credit card is straightforward. Businesses and contractors can also obtain commercial cards from Home Depot. The company also offers a commercial revolving fee card as well as a monthly commercial account. Citibank issues Home Depot credit cards.

  • Simply visit the Home Depot website and click on the Apply Now option.
  • By filling all the details, you will get the login details for your account. 
  • Then you can directly search for Home Depot credit card login whenever you need to log in, and the login page will appear on the screen.

Benefits and Features of the Home Depot Consumer Credit Card

The consumer credit cards offered by Home Depot   are not traditional store credit cards with loyalty programs. A $0 annual fee is all that sets this card apart from its competitors for those who shop at the store frequently but need some breathing room when paying for larger purchases.

If you want to finance a major purchase, you should only invest it as an investment. Even with a special financing offer, interest charges can add up over time and become a financial burden. In this situation, a credit card can be a valuable option if you are planning to fix your home to increase its resale value.

Avoid financing only items that are not useful in the long run, such as a new power tool. It would be best if you buy those items only after paying your monthly bill. If not, you will be charged an APR between 17.99% – 26.99%.

If you want to know if you qualify for a credit card before you apply, you can use Home Depot’s pre-approval tool.

Get financing for large purchases

Credit cards provide consumers with the benefit of financing purchases. This card simplifies the process of taking care of minor home repairs or complete home renovations by reducing the amount of interest you have to pay.

Purchases of $299 or more can be financed for six months with a Home Depot Consumer Credit Card. You will not have to pay interest if the balance is paid off within six months. Some purchases can even be financed in 24 months with special promotions.

On eligible purchases, you will receive a coupon

There is no sign-up bonus with the Home Depot Consumer Credit Card. However, when you sign up, you will receive:

  • If you spend $25 or more, you’ll get a $25 discount
  • Buy $300 or more and get $50 off
  • Spend $1,000 or more and get $100.

The offer is valid till January 27, 2021.

Returns accepted for more extended periods

Some items qualify for 30- and 90-day returns at Home Depot, while others allow 180-day returns. The Home Depot Consumer Credit Card, however, gives you one year to return the purchase. The Home Depot Design Center offers a 90-day return policy on items purchased there.

credit card settlement for home depot

Depending on your creditworthiness, the Home Depot card offers APRs of 17.99%, 21.99%, 25.99%, or 26.99%. Late payment fees are up to $40, and the card comes with a 25-day grace period.

Maximum credit limit of $55,000

A consumer credit or line of credit can be accessed through this small piece of plastic.

To apply for a loan, you must first request the loan amount, usually the amount you anticipate will cost your home renovation project. You can borrow up to $55,000 through the Home Depot Project Loan.

Creating a renovation budget is usually challenging at times. Asking only what you think you need is good practice. As long as you use your credit within the 6-month window, you’re only paid for the amount spent during that window.

The Home Depot project loan does not require any collateral. Having an unsecured loan is important because approval will be primarily determined by your credit score, your debt ratio, whether or not you own your home, and potentially many additional factors.

If you don’t have the financial profile to back it up, you probably have no chance of being approved for a large credit line.

Apart from special offers, you will neither earn reward points nor get cashback with this card. When you use credit cards responsibly, you may be better off with a cashback card or rewards card rather than a store card, unless the promotion is something you’re interested in. Essentially, it’s like a line of credit for projects. If you need to borrow up to $55,000 for a renovation or home improvement, there are no rewards or perks.

How does Home Depot finance deferred payments?

For the first six months, some purchases will be financed or deferred without any interest. By the end of six months, you will have to pay the balance in full. It is your responsibility to pay all interest for this period, even if only one per cent is left at the end of six months. The APR of this credit card ranges from 17.99% to 26.99%, so it should be avoided.

To avoid this problem altogether, it is better to apply for a credit card with a 0% introductory APR rate. This type of credit card waives interest charges over a stipulated period of time, usually 12 to 18 months. After the introductory period is over, your balance will be subject to interest only.

Loyalty Program: Pro Xtra

Pro Xtra, a loyalty program for professionals, is offered by The Home Depot. Our members get access to exclusive discounts, paint rewards and volume pricing. The site also offers business tools, such as Text2Confirm purchase authorization and reloadable gift cards.

Energy Saving

For every $100 Home Depot purchase you make, you’ll earn 10 per gallon with Fuel Rewards.

By using your Shell or other select gas station card, you can save up to 20 gallons on your fuel purchases at select Shell and other gas stations.

itemization of purchase

On your monthly billing statement, you will find a description of all commercial purchases. Purchases can be tracked by tracking the name of the buyer or job, or by monitoring the job number or purchase order.

No interest on every purchase for 60 days

In addition, both commercial cards and accounts offer 30- or 60-day terms for payment. Especially if your business has no credit history, you may need to provide a personal guarantee when opening a commercial account. You will be responsible for all debts and obligations if the company defaults on payment.

Commercial Home Depot accounts work more like a charge card than a credit card. Since your balance is expected to be paid in full each billing cycle, there is no set APR or minimum monthly payment.

This Home Depot Commercial Revolving Charge Card functions like a credit card for. Payment must be made at least once a month, and interest is charged on the outstanding balance after 60 days.

Is The Home Depot Credit Card Right For You?

If you’re a frequent Home Depot customer then the card may be useful to you. Cardholders do not get cashback, but the Intro offers currently available can be tempting. If consumers are shopping at home improvement stores for regular purchases, they may want to consider one of the best cash-back credit cards.

frequently Asked question

Home Depot Credit Cards: Are They Difficult to Get?

Consumers will be charged an APR ranging from 17.99% to 26.99%, and the process to apply is very straightforward.

Home Depot Card: Is It Worth It?

Cashback and other rewards are not available with the Home Depot credit card. But there is a 0% APR available on purchases above $299 during the first six months. In addition, certain products are eligible for promotional discounts and opening statement credits.   

Does Home Depot have a rewards program?

Consumers and contractors alike can apply for a credit card from Home Depot. However, no rewards are included with the card. However, you will get credits and discounts.

Does Home Depot Offer Credit Cards?

As part of its credit card offering, Home Depot offers the Citibank Card. Home Depot stores and online customers can use the card. Individuals can also use Project Charge Cards. 

Where can I get a Home Depot card?

Home Depot cards can be applied for in stores, but it’s more accessible by visiting their website. Assuming you qualify, Home Depot will issue a credit card through Citibank, the company’s credit issuer, within ten business days.


Those looking to renovate their homes can take advantage of the Home Depot credit card. Contractors can also take advantage of the Home Depot credit card. During the initial six-month period, no interest will be charged on purchases over $299. The card can provide zero-interest financing for heat or air conditioning repairs, water heater replacements, and plumbing repairs.