The Home Depot Consumer Credit Card review: Is it any good?
The Home Depot® Consumer Credit Card falls flat when it comes to rewarding frequent Home Depot shoppers because it doesn’t earn any rewards on purchases and has very few additional perks. In addition, as a store credit card, you can only use this card at The Home Depot locations or HomeDepot.com.
We recommend checking out the best credit cards for home improvement for better rewards, benefits, and flexibility.
The Home Depot Consumer Credit Card overview
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Annual fee$0
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Welcome offerSave up to $100 on your qualifying purchase when you open a new credit card account with The Home Depot (offer valid now through 1/28/2026)
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Purchase APR29.99%
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Benefits
- No interest if paid in full within the promotional period on qualifying purchases
- Up to 24 months financing during special promotions
- $0 liability for unauthorized charges
Additional benefits
No-interest financing options for purchases of $299 or more
There’s no interest rate on any eligible purchase of $299 or more if the balance is paid within six months.
Special financing offers
Cardholders may occasionally receive deferred interest promotional offers. For example, you may receive a special promotion to pay no interest charges if your balance is paid in full in 12 months. These offer lengths could range from six to 24 months.
How to earn rewards
The Home Depot Consumer Credit Card doesn’t earn rewards.
Related: To earn valuable rewards on everyday expenses, including home improvement purchases, consider the best cash-back credit cards.
How to redeem rewards
There’s no rewards program with the Home Depot credit card, so you can’t redeem rewards.
Who is the Home Depot Consumer Credit Card best for?
The Home Depot Consumer Credit Card only makes sense if you’re interested in special financing offers, especially if you frequently make purchases of $299 or more at The Home Depot. Otherwise, this isn’t a great card.
Plenty of better credit card sign-up bonuses are available, and you can get no-interest offers with 0% APR credit cards.
The Home Depot Consumer Credit Card pros
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Increased return policy window on eligible purchases (one year instead of three months)
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Special financing offers
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New cardmember offer
The Home Depot Consumer Credit Card cons
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The Home Depot Consumer Credit Card can only be used at The Home Depot stores and at HomeDepot.com.
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There’s no rewards rate and no discount on purchases.
Some of the most significant drawbacks of the Home Depot credit card are that it doesn’t earn rewards, and you can only use it on Home Depot purchases, whether in-store or online. If you’re looking for a straightforward card to reward you for everyday purchases, this isn’t the right card for you. A rewards credit card would make a lot more sense.
Where can you use the Home Depot Consumer Credit Card?
The Home Depot Consumer Credit Card is a store card that can only be used at Home Depot stores and at HomeDepot.com. This is in contrast to cash-back credit cards, which can be used just about anywhere credit cards are accepted.
How to make a Home Depot Consumer Credit Card payment
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Online: Visit the Home Depot credit card page to make a one-time payment without logging in. Alternatively, you can log in to your account to make payments.
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Over the phone: Call the number on the back of your card or the Citi credit card general support line at 800-950-5114.
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Send payments by regular mail to: PO Box 70166 Philadelphia, PA 19176-0166
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Send express payments or overnight delivery to: Citibank Express Payments 400 White Clay Center Drive Newark, DE 19711
Home Depot Consumer Credit Card customer service info
You can call the number on the back of your credit card and say “representative” to access help from a live customer service representative 24/7. You can also call 800-950-5114 for general support for Citi credit cards.
Alternative cards to consider
Chase Freedom Unlimited®
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Annual fee$0
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Welcome offerEarn a $200 bonus after you spend $500 in your first 3 months
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Rewards rate
- Enjoy 5% cash back on travel purchased through Chase Travel℠
- 3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service)
- 1.5% on all other purchases
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Benefits
- You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts
- Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more
- Generous intro APR on purchases and balance transfers
Why we like it: The Chase Freedom Unlimited provides at least 1.5% cash back on every eligible purchase you make, giving you plenty of opportunities to earn rewards on home projects, groceries, gas, and more. In addition, you can take advantage of a 0% intro APR offer if you have upcoming large purchases.
Read our full Chase Freedom Unlimited review
Blue Cash Everyday® Card from American Express
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Annual fee$0
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Welcome offerEarn a $200 statement credit after spending $2,000 within the first 6 months
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Introductory Balance Transfer APR0% on balance transfers for 15 months
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Ongoing Purchases APR19.99%-28.99% Variable
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Rewards rate
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 1% cash back on all other purchases
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout
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Benefits
- Generous intro APR on purchases and balance transfers
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, hulu.com, or plus.espn.com U.S. websites (subject to auto-renewal)
- Split purchases of $100 or more into equal monthly installments with a fixed fee — select the purchase in your online account or the American Express® App to see your plan options
Why we like it: With the Amex Blue Cash Everyday, you can earn 3% cash back on U.S. online retail purchases (up to $6,000 per year, then 1%), including online purchases from major retailers like The Home Depot. You can also access a generous intro APR offer as a new cardholder and elevated rewards rates in other everyday bonus categories.
Read our full Amex Blue Cash Everyday review
Bank of America® Customized Cash Rewards Credit Card
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Annual fee$0
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Welcome offerEarn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days
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Introductory APR0% intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (variable APR of 18.24% - 28.24% after the intro APR period ends)
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Purchase APR18.24% - 28.24% variable
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Rewards rate
- 3% cash back + 3% first-year cash back bonus in the category of your choice*
- 2% cash back at grocery stores and wholesale clubs
- Unlimited 1% cash back on all other purchases
- *Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs (unlimited 1% after that); after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
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Benefits
- Bank of America Preferred Rewards® members can earn up to 75% more cash back on every purchase
- Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- Choose which category you want to earn 6% cash back in for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings
Why we like it: The Bank of America Customized Cash Rewards provides 3% cash back in the category of your choice (on the first $2,500 in eligible purchases each quarter), which could include online shopping or home improvement purchases. New cardholders can also use 0% intro APR offers if needed.
Read our full Bank of America Customized Cash Rewards review
The Home Depot credit card FAQs
Is the Home Depot credit card good to have?
It’s good if you can frequently take advantage of no-interest offers on purchases of $299 or more, but it doesn’t make sense for most people. If you want a card to earn rewards on home improvement purchases, there are better options available.
Related:Lowe's vs. Home Depot — Which credit card should you use for your next DIY project?
What bank is the Home Depot credit card through?
Citibank is the Home Depot credit card issuer.
Is the Home Depot credit card a good option for financing home improvement projects?
It can be if you frequently make purchases of $299 or more. The Home Depot Consumer Credit Card gives special no-interest financing on purchases of $299 or more if the balance is paid in full within six months of the purchase date.
Does opening a Home Depot credit card hurt your credit?
Applying for a Home Depot credit card typically requires a hard inquiry into your credit report, which can temporarily impact your credit score. Hard inquiries remain on your credit report for two years, and multiple inquiries in a short amount of time may have a bigger impact.
Read more: Does applying for a credit card hurt your credit?
This article was edited by Rebecca McCracken
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.
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