Citi
Pro Xtra Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to $100 savings on first purchase |
| Rewards Rate | Earn 4x rewards on purchases |
| Other Fees | Minimum finance charge: $1. Late Fee: Up to $40. |
About this card
The Pro Xtra Credit Card by Citi earns an overall rating of 2.5 out of 5.0. It is a niche business card tailored for frequent Home Depot shoppers, offering 4x rewards within the Pro Xtra program and a sign-up bonus. The absence of an annual fee is a significant advantage. However, the card's value is limited by several factors. The high APR, lack of rewards flexibility (rewards are only redeemable at Home Depot), and negative reputation of the issuer (Citi) significantly diminish its appeal. The card is best suited for businesses that already spend a significant amount at The Home Depot and prioritize expense tracking and employee card issuance over broader rewards or better customer service. Its limited utility and the issuer's reputation prevent a higher rating, despite the attractive rewards rate within the Home Depot ecosystem.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate
- Flexible payment options
- Business management tools
- Extended return policy
Things to consider
- Limited rewards categories
- High late fees
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
- Cardholders earn 4x rewards on purchases made with their Pro Xtra Credit Card, which can be redeemed for eligible purchases and rentals.
- when you join Pro Xtra, register and use your card
Other features
- Flexible Monthly Payments 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
- Issue authorized user cards to trusted employees to make purchases.
- Get automatic membership to the Pro Xtra loyalty program for personalized offers, perks, exclusive promotions and discounts.
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.