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.

Best for those with

Good Credit

About this card

Overall Rating

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.

Ratings

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