Review
Citi The Home Depot Consumer Credit Card Review: Financing for Home Improvement Projects
Looking to finance your next home improvement project? The Home Depot Consumer Credit Card can be a helpful tool, but its deferred interest policy means you'll need a solid repayment plan.
| Annual Fee | $0.00 |
| Regular APR | APR: %. Minimum interest charge: $. See card agreement for details including APR applicable to you. |
| 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. Up to 24-Month Financing during Special Promotions throughout the year. It offers six months financing on purchases of $299 or more. |
| Rewards Rate | No rewards rate |
| Sign-up Bonus | Save up to $100 |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Sign-up bonus
Things to consider
- High regular APR
- No rewards
- Limited to purchases at The Home Depot
Benefits
Drawbacks
Decision Guidance
Summary
The Home Depot Consumer Credit Card is a niche product best suited for specific situations. Its primary strength lies in its promotional financing offers, which can be valuable for large purchases if managed carefully. However, the high regular APR,...