Home Depot Consumer

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Annual Percentage Rate (APR)

Purchases APR: 17.99%, 21.99%, 25.99%, 26.99% determined by credit history.
Penalty APR: 29.99%
Min Interest Charge: $2.00
If you spend over $299 on a single transaction you may take advantage of 0% interest for 6 months.

Credit Card Fees

Annual Fee: $0
Late Fee: Up to $35.00

Sign-up Bonus and Benefits

No bonus for opening an account.
  • Receive zero interest for 6 months on all transactions over $299
Apply In-Store or Online
Issuer: Citibank, N.A.
Where Can I Use this Card: At any Home Depot location and over the Internet at Homedepot.com.
Pay Bill Online



Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 05, 2014
#1 Reviewer  -   View all my reviews (9)

Do You Recommend This Credit Card?

I don't recommend this credit. The only redeeming feature that they offer is no interest for 6 months if your initial purchase is above $299. That alone does not make it worthwhile, and the interest rate varies greatly between each applicant. Even if you have average credit you will more than likely end up with a rate above 20%.

There is one caveat that consumers should be aware of; the minimum interest charge is $2. For most non-store credit cards the minimum interest charge is $0.50, and although it's not an earth-shattering difference if you carry a small balance you can expect a higher monthly payment.
Who Will Get the Most Out of This Credit Card
Customers that are making a large purchase and wish to take advantage of the no interest offer for 6 months.

Is The Interest Rate Competitive

The interest rate you are offered varies by your credit score. If you have an excellent score you will receive 17.99% or 21.99%. If you have a good to average score you can expect a rate of 21.99% or 25.99%. If you have a bad score you might not be approved for this card or you will receive the highest option of 26.99%.

How Do You Like the Rewards

This card does not come with any points or purchasing rewards, though you may receive promotional discounts or coupons in the mail or email inbox. You may use this card for free standard shipping and in-store pickup through homedepot.com, but this feature is not limited to this card. You can use any type of payment to receive free shipping. The sole benefit of this card is its no interest offer. Beware though that if you don't pay off the balance in full after the introductory offer expires you will be charged interest for the previous months.
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