Citi
THE HOME DEPOT® CONSUMER CREDIT CARD
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Save up to $100 |
| 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. |
| Regular APR | APR: 29.99%. |
| Other Fees | Minimum interest charge: $2. |
About this card
The Home Depot Consumer Credit Card receives an overall rating of 2.3 out of 5.0. This rating reflects a card with some utility for a specific audience but significant drawbacks that limit its overall value. The primary strengths lie in its special financing offers and the absence of an annual fee. These can be beneficial for large home improvement projects, allowing cardholders to manage payments over time. The extended return policy is also a valuable perk for frequent Home Depot shoppers. However, the card's high regular APR of 29.99% is a major concern. This makes it an expensive option if balances are carried beyond the promotional period. The minimum interest charge and the lack of robust rewards program further detract from its appeal. Additionally, the negative reputation of Home Depot Credit Services, with numerous complaints about customer service, raises concerns about the overall cardholder experience. While the sign-up bonus and promotional financing periods can be attractive, the high APR and poor customer service reputation overshadow these benefits. The card's value is highly dependent on an individual's specific needs and spending habits at The Home Depot. It is most suitable for those who can take advantage of the special financing offers and pay off balances within the promotional period. Otherwise, the high APR and limited rewards make it a less attractive option compared to general-purpose rewards cards.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- Intro APR period
- Choose your payment due date
- 24/7 customer service
- $0 liability on unauthorized charges
- Special financing promotions
Things to consider
- High regular APR
- Minimum interest charge
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
- Up to 24-Month Financing during Special Promotions throughout the year.
- 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.
- The Home Depot® Consumer Credit Card offers special financing for purchases of $299 or more.
Additional Notes
With credit approval for qualifying purchases made on The Home Depot® Consumer Credit Card. APR: 29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details.