Citi
Pro Xtra Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to $100 savings |
| Rewards Rate | 4x Perks |
| Other Fees | Minimum finance charge: $1. Late fee: Up to $40. |
About this card
The Pro Xtra Credit Card receives an overall rating of 2.5 out of 5.0, placing it in the 'Fair' category. This rating reflects its highly specialized nature, excelling within its niche but suffering from significant limitations that detract from its broader appeal and utility. The card is a compelling option for businesses and contractors who are exceptionally loyal to The Home Depot and can maximize its store-specific benefits. However, for a general business card user, its drawbacks are substantial. The primary strengths include a highly attractive 4.2 Fees Rating, driven by its $0 annual fee. This makes it a cost-effective option for its target users. Furthermore, its rewards program, while niche, offers a substantial 4x earning rate on Home Depot purchases within the Pro Xtra program, making it very valuable for heavy spenders at the retailer. The card also provides excellent business-centric features such as itemized billing, employee cards, and purchase tracking, which are highly beneficial for managing business expenses. The up to $100 sign-up bonus adds initial value. However, the card is severely hampered by its 'Poor' 1.5 APR Rating. The absence of an introductory APR period and the consistently high regular APR make it an expensive card if balances are carried, which is a significant drawback for a business product. The extreme limitation of being a 'store-only' card (usable exclusively at The Home Depot) drastically reduces its overall utility compared to general-purpose business credit cards. This also impacts the Rewards Rating (2.8), as the perks are inflexible and tied solely to Home Depot. Finally, the issuer's (Citi) mixed to negative reputation for customer service, as indicated by a 2.8 Reputation Rating, introduces potential friction points for cardholders. While the card serves its niche well, these critical limitations prevent it from achieving a higher overall rating. Its value is contingent on a very specific spending pattern and the ability to avoid carrying a balance.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- High rewards rate
- Business management tools
- Flexible payment options
- Exclusive discounts and perks
Things to consider
- Limited usability (store-specific)
- No intro APR period
- Late payment fees
What this card offers
Sign-up bonuses
- Save up to $100 today on a qualifying purchase when you open a new credit card with The Home Depot.
Rewards
- Earn Perks 4X Faster when you join Pro Xtra, register and use your card.
- Get 4x Perks on purchases with the Pro Xtra Credit Card
- Every $1 spent on Qualifying Purchases with your Pro Xtra Credit Card counts as $4 for purposes of earning Perks (up to $1,000,000 spent in Qualifying Purchases within a Program Period).
- You may earn an initial Perk if your Qualifying Purchases exceed the first minimum threshold of $2,500 and additional Perks if you meet higher thresholds.
Other features
- $0 Liability on unauthorized charges
- 1-Year Hassle-Free Returns credited back to your The Home Depot Credit Card.
- Easy Purchase Tracking Track purchases by PO number, job name or job number.
- Home Depot commercial account online Check your balance and available credit, review your statement, make a payment and more. It’s easy to manage your Home Depot commercial account with our online portal.
- Home improvement business tools Get itemized billing statements and automatic purchase tracking to streamline accounting.
- Flexible monthly payments Enjoy flexible monthly payments or pay in full with the convenience of a commercial revolving card with The Home Depot.
- Preferred pricing Unlock personalized pricing to save more on the jobs you shop the most.
- Personalized offers Get member-exclusive offers on products and services.
- Paint rewards Save up to 20% off paints, stains and primers.
- Authorized Users Give card access to users to make purchases for the business. All cards are automatically loaded to your Pro Xtra commercial account.
- Approve Text2Confirm Receive a text message with checkout details and reply to approve the in-store purchase.
- Security and protection 24-hour fraud protection
- Citi will alert you if we see unusual activity on your Home Depot business credit card account.
- Contactless pay Shop safely with a contactless chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Chip-based card technology Chip card technology keeps the same card number but provides you with security.
- Automatic account alerts Stay updated on balance, payments or credit limits via email or text.
- Customer Service Support Have questions about your Citi The Home Depot Credit Card account? Call the number on the back of your card to speak with a Customer Service representative who can assist with virtually all of your account needs.
- Paperless statements and e-communications Reduce clutter and get your statements and most legal notices online instead of in the mail.
- Business Account Online Check your balance and available credit, review your statement, make a payment and more. It’s easy to manage your account with our account online portal.
- 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.
Additional Notes
The Pro Xtra Credit Card can only be used at The Home Depot stores or homedepot.com.