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

Home Depot Credit Card Review

Home Depot Credit Card is a store credit card issued by Citibank. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

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.

Pros & Cons of Home Depot Credit Card
Pros Cons
  • 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 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.
  • Is there a Home Depot Credit Card cash back or rewards program?

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

    Home Depot Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) $100
    Signup Bonus Spend Requirement $1000

    What are the relevant APRs for Home Depot Credit Card?

    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?

    This card does offer an introductory APR rate on new purchases of 0% for a period of months.

    Home Depot Credit Card Rates & Terms
    Purchase APR 17.99% - 26.99%

    What are the Home Depot Credit Card fees?

    No Annual Fee. Home Depot Credit Card does not charge an annual fee.

    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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    How to apply for Home Depot Credit Card

    • Visit the Citibank website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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.
    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 Interest Grace Period for Late Payment 25
    Annual Fee $0
    Paper Statement Fee $0
    No Annual Fee  
    Minimum Interest Charge $2
    Late Fee Amount Up to $39
    Minimum Age 18
    Credit Score Range 640 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Customer Type Personal
    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
    Every Purchase Up to 24 months special financing on store wide purchases made on your Home Depot Consumer Credit Card.
    Signup Bonus $100
    Purchase APR (Variable APR) 17.99% - 26.99%
    Balance Computation daily balance
    Introductory Rate 0%

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