Home Depot Credit Card - How to Apply for the Consumer Card

We all have a natural desire to spruce up our living spaces now and then. Unfortunately, home improvement can burn a hole in your pocket without proper financing. However, that does not mean you should give up on your plans to redefine your place.

That’s why leading home improvement stores like The Home Depot offer consumer credit cards to finance their customers. The card is a perfect fit for buying regular home essentials that come with an expensive price tag.

Along with affordable interest rates, the card also packs some regular discounts and seasonal offers. It’s a fantastic pick for those who need extra time to pay off the big purchases. Read on as we’ve covered important things about the card here for you.

Perks of a Home Depot Card

The Home Depot credit card comes with 6-month interest-free financing for purchases worth more than $299. The card also provides the customers with exclusive merchandise discounts on seasonal and big-ticket purchases.

For example, the cardholders are eligible for a 25% discount on snow-blowers in the snow season. You will also get a $25 flat discount on your first purchase.

As an added benefit, the cardholders enjoy a 1-year return period on all products bought using the card. This is four times the return period that other Home Depot customers get.

The financial deals for cardholders keep changing every few months. Home Depot cards can get you 10% off on some brands or up to 24-months financing as part of special promotions.

Interest and Other Charges

The Home Depot consumer card charges reasonable interest rates as compared to other retail cards. The interest charged also depends on your credit history at the time of applying for the card. The lowest interest rate you can get your hands on is 17.99% and may even go up to 26.99%.

To compensate for the high interest, the Home Depot credit card comes with zero annual charges. So, all the savings you make on your purchases stay in your pocket. The late payment charges go up to $40 and may vary according to the amount in balance.

Check if You’re Eligible

There are no specific eligibility requirements for you to be a consumer credit cardholder. The credit card is issued by Citibank. A good credit score of 650+ is important as it determines the interest charged from you.

While submitting your application, you will be required to put forth American citizenship identification documents. This can include your bank statement, address proof, and income proof.

How to Apply for the Card?

If you’re all set to get your card, follow these simple steps to apply.

  1. Check whether you pre-qualify for the Home Depot credit card.
  2. Once you receive confirmation, go to the application page on the Citibank website.
  3. Fill in the required details like name, email, address, income, and social security number.
  4. Read all the terms of the agreement and submit your application.
  5. Once your application is approved, the bank representatives will run you through the process further.

Pros and Cons

The Home Depot card has multiple lucrative offers in-store like flat discounts and receipt-free one-year return policy. The card charges deferred interest rates of 0% for six months.

However, deferred interest does not mean waived-off interest as many people misunderstand. It in fact means that if you’re unable to pay the full amount back within six months, you will have to pay interest for all those months. This is a major disadvantage for people who have an inconsistent repayment history.

Another downside of the card is the lack of assured cashback points or discounts for all purchases, unlike other retail cards. If we overlook these drawbacks, the credit card is overall profitable for people who frequent the store.


Now, a lack of money won’t be a headache when you’re trying to furnish your dream home. You can afford that lavish new sofa set or a bigger TV screen without contemplating much.

If you’re a regular Home Depot shopper, this credit card will suit your needs just fine.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank's terms and conditions page before agreeing to anything.

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