Last Updated: 05/14/2026
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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.
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.
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
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Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -30, or 2.4 on a 5-point rating scale.
-30
-1000+100
No one recommends
Everyone recommends
Home Depot Credit Card Community Reviews
Would you recommend Home Depot Credit Card to your friends?
U
Anonymous
May 18, 2023
May or may not recommend
I will be cancelling my card. For one, Interest rates are extremely high. For two, their promotional interest free purchases are not worth it to me. Every month I waste time trying to figure out my account on their website to make sure that I am paying the necessary amount to NOT pay interest, and every month I get so frustrated because I have no idea where to go for ...Show More
Tonya T.
May 12, 2023
May or may not recommend
$500 limit never got to that amount. Was late 2x months apart cause i for got but always paid above my payment they dropped my limit to $200 which put a ding on my credit report. And doesn’t state for none payment or anything. Not worth the time.
IF
Iryna F.
Oct 15, 2022
May or may not recommend
Can't really make up my mind about the Home Depot credit card. Customer service can use some improvement, I've had miscommunication on the APR, when was making a purchase at Home Depot store, which almost cost me few hundred dollars in interest until I managed to sort it out over the phone with customer service representative. Got approved for great credit limit, when making a large purchase, yet it got ...Show More
U
Anonymous
Jun 14, 2022
May or may not recommend
I am so frustrated just trying to set up my online account. The provided me with a user name but no information on how to create a password. When I called and finally was given a password, I then had to receive two deposits in my checking account. Again, with no instructions on how to verify the checking account so that I can make payment. This is one of the ...Show More
JB
Jennifer B.
Feb 13, 2022
May or may not recommend
I have had my Home Depot card for more than five years and originally opened the account while in the store, to finance a large purchase. I think the card is great if you can take advantage of the 0% APR by paying off the purchase within a short timeframe but agree with a previous reviewer that the interest rate becomes a big burden if you carry a balance. ...Show More
U
Anonymous
Feb 7, 2022
May or may not recommend
They take too long to change due date, refuse to correct their mistakes. Their math doesn’t add up correctly and even the manager / supervisor stumbles trying to explain it. Which she never could. 35$ min payment due date 6th. Paid on 6th marked late because was a weekend!?!? So 35 became 74 with a 35$ late fee!? 35+35=70! Where the 4$ come from? Then she removed the late fee ...Show More
AH
Adelaide H.
Jan 31, 2022
May or may not recommend
This card is good if you are a frequent home depot shopper or if you want to use one of the 6 months 0% interest deals. However, make sure that you are going to be able to pay it off in the promotional time period because the high APR hits hard.
RB
Ray B.
Oct 2, 2021
May or may not recommend
This is the worst credit card I have ever had. They are so sloppy with recording online payments and so quick with assigning late fees.
No customer service! Do not bother calling the 800 number. You get a robot telling you to push a number Do not chat on line. You will go round and round with their prefabricated responses.
KR
Kenneth R.
Nov 18, 2020
May or may not recommend
I was able to open a Home Depot personal credit card with a decent credit line on a moderately good credit score. Their promotional purchase plans came at good times when I needed to replace a kitchen range or buy a second small refrigerator for a household member to use upstairs. It was fairly easy to pay those amounts back down. It is convenient to have when I need the ...Show More
VA
Victor A.
Nov 3, 2020
May or may not recommend
I am a general contractor and am always going to Home Depot. I use this card for one major reason, and that is to track all my purchases for the year. This card will not bring you many perks and the APR is decently high. Say you are buying an initial large purchase though, this card will be worth it if you pay the purchase off. As I said though, ...Show More
Showing 10 of 10 reviews
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