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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

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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1 user recommends
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 17.99% - 26.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Home Depot Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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%.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Home Depot credit card
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.
  • Considers applicants with fair or poor credit.
  • 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 benefits.
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.

What are the Home Depot credit card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.99% up to 26.99%.

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.

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?

The following fees apply:

Home Depot credit card Fees
Fees Amount
Annual Fee $0
Late Payment Fee 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 Home Depot credit card customer service number 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.

How do people rate the customer service and user experience of Home Depot credit card?

Overall, Home Depot credit card is mostly 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 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 may help improve your credit.

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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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 days
Paper Statement Fee $0
Minimum Interest Charge $2
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • Other
Credit Card Benefits
  • Fraud Liability
Signup Bonus Starting at $100
Balance Computation daily balance (including current transactions).
Purchase APR (Variable APR) 17.99% - 26.99%
Card Type
  • Bonus Offers
  • Store Card
Card Network Other

Home Depot Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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