Citi
The Home Depot Consumer Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | NO INTEREST IF PAID IN FULL WITHIN PROMOTIONAL PERIOD on qualifying purchases. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Up to 24-Month Financing during Special Promotions throughout the year. It offers six months financing on purchases of $299 or more. |
| Regular APR | APR: %. Minimum interest charge: $. See card agreement for details including APR applicable to you. |
About this card
The Home Depot Consumer Credit Card is a niche product best suited for specific situations. Its primary strength lies in its promotional financing offers, which can be valuable for large purchases if managed carefully. However, the high regular APR, lack of rewards, and limited usability only at Home Depot stores significantly diminish its overall appeal. The card's reputation is lukewarm, with experts and users cautioning against its use as a general-purpose credit card. The absence of an annual fee is a plus, but the risks associated with deferred interest and the lack of ongoing benefits make it a fair, but not particularly attractive, option for most consumers. It is best for those with a specific, planned purchase and the discipline to pay off the balance within the promotional period. Overall, it is an average card with notable limitations. Strengths include no annual fee and intro APR period. Weaknesses include high regular APR, no rewards, and restricted usage.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Sign-up bonus
Things to consider
- High regular APR
- No rewards
- Limited to purchases at The Home Depot
What this card offers
Sign-up bonuses
- Save up to $100 on your qualifying purchase when you open a new credit card account with The Home Depot.
Rewards
Other features
- 4x longer to make returns Cardmembers get 1 year to make returns, not just 3 months. Refer to The Home Depot Returns Policy for details.
- Choose your payment due date Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- 24/7 customer service Questions about your Citi card account? Just call the number on the back of your credit card. Say 'representative' to access fast, live help from a friendly Customer Service representative ready to help with every aspect of your card membership (including technical assistance) —24 hours a day, 365 days a year.
- $0 liability on unauthorized charges You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. For additional information on this, please visit cardbenefits.citi.com for details.
Additional Notes
No. The Home Depot Consumer Credit Card can only be used at The Home Depot stores and at homedepot.com. You can avoid interest charges for your Home Depot Consumer Credit Card by paying your balance in full by your card’s due date. Your card’s due date is at least 25 days after the close of each billing cycle.