Citi
PRO XTRA CREDIT CARD
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Save up to $100 today |
| Rewards Rate | Up to 4x rewards |
| Other Fees | Minimum finance charge: $1. Late Fee: Up to $40. |
About this card
The PRO XTRA Credit Card is a niche product designed for businesses that spend frequently at The Home Depot and are enrolled in the Pro Xtra program. Its value is heavily dependent on this specific use case. While it offers accelerated rewards within the Pro Xtra ecosystem and has no annual fee, its high APR, limited usability (store card), and inflexible redemption options significantly limit its overall appeal. The good: No annual fee, generous sign-up bonus, accelerated rewards within Pro Xtra, valuable business tools for expense tracking, and the backing of a reputable issuer (Citi). The bad: High regular APR, late fees, store card limitations (usable only at The Home Depot), and rewards that are less flexible than cash back or travel points. The card's reputation is solid within its target audience (contractors and businesses) but lacks broad appeal. Considering these factors, the card earns a 2.6 out of 5. It's a fair option for a very specific type of customer but falls short for general business or personal use.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Rewards on purchases
- Business tools
- Authorized user cards
Things to consider
- High regular APR
- Late fee
- Store card
What this card offers
Sign-up bonuses
- Save Up to $100 Today on your first qualifying purchase when you open a new card. Limited time offer.
Rewards
- Earn Perks 4X Faster when you join Pro Xtra, register and use your card.
- Cardholders earn 4x rewards on purchases made with their Pro Xtra Credit Card, which can be redeemed for eligible purchases and rentals.
Other features
- Monthly payment flexibility with the convenience of a commercial revolving card
- $0 liability on unauthorized charges
- Identity theft protection
- Everything’s simple with 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.
- Business Tools
- Get itemized billing statements and automatic purchase tracking to streamline accounting.
- Payment Flexibility
- Make low monthly payments or pay in full each month. Plus 1 year Hassle Free Returns - Cardmembers get 4X longer to make returns. Refer to The Home Depot Returns Policy for details.
- 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.
- Get automatic membership to the Pro Xtra loyalty program for personalized offers, perks, exclusive promotions and discounts.
- Issue authorized user cards to trusted employees to make purchases.
- The Pro Xtra Credit Card is a store card. You can use it at The Home Depot stores and online at HomeDepot.com.
- Pro Xtra Rewards can be redeemed for The Home Depot Perks.
- Rental Perks: Use rewards to pay for charges when renting out eligible tools at the Home Depot.
- Pro Xtra Dollars: Redeem rewards for Pro Xtra Dollars. These are The Home Depot Digital Reward Cards that may be used to purchase merchandise and services at The Home Depot.
- Redeem Pro Xtra Dollars or Rental Perks in-store by sharing the appropriate mobile barcode from the Available Perks section of the app with the cashier. To redeem online, apply any available Pro Xtra Dollars to your transaction at checkout.
Additional Notes
As of 4/1/24, Minimum finance charge: $1. Annual Fee: None. Late Fee: Up to $40. See card agreement for details including APR applicable to you.