Last Updated: 07/28/2025
SuperMoney User Recommendation Score -30
Mostly not recommended10 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
17.99% - 26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
Home Depot Credit Card Review
This is a store card issued by Citi®. If you're wondering whether Home Depot Credit Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $100.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.99% up to 26.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Home Depot credit card
| The Good | The Bad |
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Home Depot credit card FAQ
Does Home Depot credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Home Depot credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Home Depot Credit Card has a variable purchase APR that ranges from 17.99% up to 26.99%. Home Depot Credit Card does not offer balance transfers.
Does Home Depot credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Home Depot Credit Card does not offer balance transfers.Does Home Depot credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Home Depot credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Home Depot credit card?
The customer service number for Home Depot credit card is (800) 950-5114.
What is the support contact email for Home Depot credit card?
The support contact email for Home Depot credit card is customer.help@citi.com.
What is the login page for Home Depot credit card?
You can access the login page of Home Depot credit card here.
How do people rate the customer service and user experience of Home Depot credit card?
Overall, Home Depot credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Home Depot Credit Card report your account activity to credit bureaus?
Yes, Home Depot Credit Card reports to the following credit bureaus:
- Equifax
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Citi® perform a hard credit pull?
Yes, Home Depot credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Home Depot credit card
- Visit the website of Home Depot credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM