Home Depot Consumer Credit Card Review

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.

The Home Depot Consumer Credit Card, issued by Citi, is a store credit card exclusively for Home Depot purchases. Considering that this card offers an array of special financing offers, it can help you save money on interest if you need a few months to pay off your purchases. 

The Home Depot® Consumer Credit Card

overall rating
2.3
The Home Depot® Consumer Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 17.99% - 26.99% variable
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
Ratings Breakdown
for Interest
2.0
for Fees
3.1
for Rewards
2.3
for Credit
3.0

Current Offer:

Save up to $100 on your first in-store purchase.

Top Rated For

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household See more cards
    Family Shopper
  • Avatar for Homeowner Persona
    Spends time making their house or condo a comfortable, safe place to call home See more cards
    Homeowner
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

The Home Depot Consumer Credit Card is best for DIY enthusiasts who spend a lot of money buying materials for home improvement projects. It can also be a huge boon if you’re planning to make an expensive home upgrade—for example, buying a new set of home appliances for a kitchen remodel—and you need time to pay the balance off. 

However, if you’re looking for a card that will reward your large or frequent project costs, this is not the card for you. Unlike other home improvement store cards, it doesn’t even have the option to earn rewards or enjoy ongoing purchase discounts. It just boasts an array of financing deals that vary throughout the year.

Pros
  • Ongoing access to special financing offers

  • Sizable first purchase discount

  • Accessible for applicants with fair credit

Cons
  • No traditional bonus for new cardholders

  • No rewards program

  • Deferred interest “gotcha”

  • High standard purchase APR

Pros Explained

  • Ongoing access to special financing offers: Home project costs can add up fast, and interest-free financing options can help you spread out expenses for no additional cost. The special finance offers include six months at 0% APR for all purchases of $299 or more, and more specific product offers throughout the year. Since most credit card APR offers are a one time offer for new cardholders, we like that this card offers financing options now and later. You won’t have to rush to get all your home projects done at once.
  • Sizable first purchase discount: You only get $25 off purchases of $25 to $999, but the discount jumps to $100 if your first card purchase is $1,000 or more. If your first purchase is $1,000, that's a solid 10% off, which is in line with the competing big-box building supply store credit card offers.  
  • Accessible for applicants with fair credit: It’s typical for store cards to be a bit more accessible to those with less-than-perfect credit, and this card is no different. You may be approved for this card even if you have fair credit, which means your FICO credit score is between 580 and 669.

Cons Explained

  • No traditional bonus for new cardholders: While first purchase discounts are common among store cards, but many cards offer juicy bonuses worth several hundred dollars if you meet a minimum spending requirement. If you'd like to rack up big rewards for spending a lot on your home, this isn't the card for you.
  • No rewards program: You won’t earn any rewards with this card, which is unfortunate because store cards often reward customer loyalty and other home improvement cards offer at least the option to earn money back on purchases in the form of rewards or rebates.
  • Deferred interest “gotcha”: While getting six months at 0% APR for all purchases over $299 is a good deal, the devil is in the (potentially costly) details. If you don't pay your balance off in full before the deferred interest offer ends, you'll be charged interest on the remaining balance going forward plus back interest from the initial purchase date. If this happens, you'll lose anything you saved by using the card. 
  • High standard purchase APR: It's normal for store cards to carry high purchase APRs, but because the main benefit of this card is the deferred interest offers, it's crucial to pay attention to the standard purchase APR, which could be as high as 26.99%, which is above even the average store card APR

Other Features

Like many store cards, this card isn’t packed full of benefits, but it does give cardholders the following perks:

  • Extra time to make returns: As a cardholder, you'll get a full year to make eligible returns, which is much longer than the typical Home Depot policy (30-180 days, depending on what was purchased).
  • Additional special financing offers: Cardholders get additional financing deals that change throughout the year. Some offers may be good for as long as 24 months, depending on what you buy and how much you spend. 

Many of these deals are short term offers, so you'll need to act fast when you see one that fits your home improvement plans.

Customer Experience

J.D. Power ranked Citi sixth in its 2019 U.S. Credit Card Satisfaction Study. That puts the bank in the middle of the pack when compared to 10 other card issuers, but below average. Citi earned 799 out of 1,000 points in the study while the industry average was 806.

If you need help with your Home Depot Consumer Credit Card account, you can call a customer service line outside of normal business hours, but not quite 24/7. 

Security Features

You’ll get standard credit card security benefits (like $0 liability for unauthorized charges) with the Home Depot Consumer Credit Card, and Citi will replace your card if it’s lost or stolen. Cardholders can also set up account alerts to get notifications when purchases are made to keep watch for fraudulent activity.

Fees & Finance Charges to Watch

While the fees charged by this card are pretty standard, the real “gotcha” to watch out for is the back interest you will be charged on “interest free” purchases if you don’t pay your balance in full within the specified time frame. This card will actually cost you money if you carry balances beyond the end of promotional financing offers.

Next Steps
For The Home Depot® Consumer Credit Card
Compare This Card
See how this card stacks up to the competition
CURRENT CARD
The Home Depot® Consumer Credit Card
overall rating
2.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 17.99% - 26.99% variable
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. myFICO. "What is a FICO® Score?" Accessed May 14, 2020.

  2. Home Depot. "Consumer Credit Card." Accessed May 14, 2020.

  3. Home Depot. "Return Policy." Accessed May 14, 2020.

  4. J.D. Power. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Power Finds." Accessed May 14, 2020.

  5. Citi Retail Services. "Account Terms and Details." Accessed May 14, 2020.