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  Home Depot Credit Card

Home Depot Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

Home Depot Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 17.99% - 26.99%

Home Depot Credit Card Review

Home Depot Credit Card is a store credit card issued by Citibank.  If you're wondering whether Home Depot Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Signup bonus. Offers a signup bonus of $100 if you spend $1000.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 26.99%.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
The Good The Bad
  • Allows breathing room for large purchases
  • Cardholders are offered a full year to make returns.
  • 0% interest for 6 to 12 months if all bills are paid on time.
  • Customers with a "fair" credit score are often approved, allowing for credit building with this card.
  • No annual fee.
  • Home Depot Credit Card reports to multiple credit bureaus.
  • No cash back rewards after initial purchase.
  • Even with special financing offer, interest charges can stack up if not paid on time every month, or if not paid off by the end of the deferred-interest period. Any payment issues result in the 0% interest rate disappearing for all past and future purchases.
  • Higher than average purchase APRs.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Home Depot Credit Card cash back or rewards program?

No, Home Depot Credit Card does not offer a rewards program.

What are the relevant APRs for Home Depot Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Home Depot Credit Card has higher than average purchase APRs.

Home Depot Credit Card has a variable purchase APR that ranges from 17.99% up to 26.99%.

Does Home Depot Credit Card have an introductory APR offer on balance transfers??

No, Home Depot Credit Card does not come with an introductory APR offer for balance transfers.

Does Home Depot Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the Home Depot Credit Card fees?

The following fees apply to Home Depot Credit Card:

Home Depot Credit Card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $39

Does Home Depot Credit Card report your account activity to credit bureaus?

Home Depot Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Home Depot Credit Card

  • Visit the Home Depot Credit Card website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25
Paper Statement Fee $0
Minimum Interest Charge $2
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Bonus Offers
  • Store Card
Card Network
  • Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • Other
Bonus Rewards Up to $100. This offer is redeemable on a single receipt purchase of either a $25 discount on a purchase of $25 up to $999; or a $100 discount on a purchase of $1,000 or more made within 30 days of your account open date
Signup Bonus $100
Purchase APR (Variable APR) 17.99% - 26.99%
Introductory Rate 0%
Balance Computation daily balance
Intro APR period 12

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