Home Depot® Credit Card

home depot credit card
Required Credit Score:
Fair
4 272 reviews   Write a Review
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Home Depot® Credit Card’s Rewards

This card does not offer rewards.

Home Depot® Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 6 - 12 months
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
17.99% - 26.99% (V)
  • ANNUAL FEE None

Home Depot® Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    N/A
  • CASH ADVANCE
    FEE
    N/A
  • FOREIGN
    TRANSACTION FEE  
    N/A
  • SMART CHIP   No
  • Deferred Interest Details: No interest if paid in full within 12 months on purchases of $899 or more on installed Sheds, Garages, Sunrooms, Patio Covers and Fencing through 6/10/15. No interest if paid in full within 12 months on building materials of $5000 or more valid through 1/31/16, water treatment and heating and air conditioning purchases of $299 or more through 1/31/16, riding Mower purchases of $899 or more through 5/31/15.
  • Online Services, including account management, online-only statements, account activity, and faster payments.
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Home Depot® Credit Card Reviews

 
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1 2 3 4 5
 
3.8
Overall Rating: 3.8 / 5
Total Ratings: 272
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May 18, 2015
Photo of Alison B.
5
By:
May 18, 2015
This is a great option for those of us addicted to home improvement, but need to finance our hobby. Especially with the first year of 0% interest! We redid our bathroom and kitchen over the past year and bought everything on the credit card up front. After we spread out the payments over the year, it didn't cost us anything extra, we built up our credit and ended up with a new bathroom and kitchen that we probably could not have afforded otherwise. We love it and couldn't be happier with this card.
May 17, 2015
Photo of Danielle H.
5
By:
May 17, 2015
I love my Home Depot Credit card. What I love the most about this card is the fact that purchases $299 and over are automatically 6 months same as cash. As long as you pay the balance off within six months there are no interest charges. Even better they frequently send me coupons where my purchases that are $299 or more have 12 months same as cash options. I have had this card for over 7 years and have never paid one penny of interest. It has enabled me to do all the home projects I wanted or needed to do over the years without costing me any extra money.
Apr 30, 2015
Photo of Matt H.
3
By:
Apr 30, 2015
This card is great for making purchases at Home Depot like many store cards, however there are no balance transfers allowed and it has a fairly high interest rate even if you have relatively good credit. I feel this card is well suited for making early purchases at a Home Depot store, however its terms make it less desirable to use as an everyday card.
Apr 16, 2015
Photo of Panache S.
4
By:
Apr 16, 2015
The home depot card was easy enough to activate as opposed to a couple of other home store cards. I usually pay the amount due in full so the interest rates do not affect me. I believe the Max late fee is not bad at $35. The payments on the website are simple enough. The only drawback I feel is the card does not offer a cash back which could be beneficial for the company as well as the consumers.
Apr 3, 2015
Photo of April M.
4
By:
Apr 3, 2015
This card comes with regular offers sent in the mail. This has been very helpful as we have been going through a large renovation on our home. For the most part, we have saved more money by using the offers like 0% interest than we would have saved shopping for discounts. I definitely appreciate the readily available offers. On the other, it is wise to definitely keep an eye out on due dates and when the reward period ends. If you miss this date, you will have to pay the interest. This can be a lot when making large purchases.
Mar 30, 2015
Photo of Colby P.
4
By:
Mar 30, 2015
I like the perks this card comes with. This card is great if you are making a large purchase of $299 or more for your home and can utilize the zero interest. 6-12 months of no interest is a great perk and can save you a lot of money on projects.
Mar 12, 2015
Photo of Lexi M.
5
By:
Mar 12, 2015
This card is awesome and i defineately recommend it. i have used my card on more than one account from the time i repaired the wall before the land lord came over or the time i built the shed at my new place. its great with no interest for six months and very low fees. A balanced card for average people with average credit. five stars. would never use any other credit card at home depot again.
Mar 2, 2015
Photo of Marie G.
4
By:
Mar 2, 2015
I have had this card come in handy more times than I can count. I use it for my garden supplies, my Christmas decor and I have even bought large appliances on it. I personally choose to handle all my payments and statements online. I love not having to deal with the mail for making a payment. I also love being able to send extra money anytime I want. They are also quite good about not filling my inbox with tons of unwanted spam. They send me my bills and important notifications and nothing else, and that is just perfect for me.
Feb 25, 2015
Photo of Nathan B.
4
By:
Feb 25, 2015
This car was simple to activate and simple to use allowing me to save on my project instantly. The interest is relatively low and making payments can be done by phone, online or in my Home Depot store locally. Customer service was easy to work with as well. I wasn't really interested in opening a line of credit until I started my project and my local Home Depot associate helped me save some money. I walked out with my building material an a wallet still full of cash because the card took care of it all!
Feb 24, 2015
Photo of Ramon M.
4
By:
Feb 24, 2015
As others have said...this card is an absolute must. We did not think we would need it when we purchased our first home in June...however, this is so worth it. Interest rates is higher than we would like it to be, but to be completely honest it doesn't matter...we pay everything off over the course of a few months instead of doing everything in a lump sum, we get what we need for the house, large or small, and it doesn't break the bank. Could not have a better card in my wallet.
Jan 21, 2015
Photo of Melody L.
4
By:
Jan 21, 2015
I think this Home Depot store Card is a must have for all homeowners. It's great for those unexpected emergency that pop up when you don't have the cash on hand. I love the fact that they give you 6 months to pay it off without incurring interest. The APR is a bit high on this card. All of my other credit cards are around 12.99%V but on this account it is 22.99% V. It doesn't bother me much because I normally pay my purchase off before the promotional time frame is up. The only negative thing is that this account doesn't come with a rewards program. I know that more
Jan 12, 2015
Photo of Richard H.
2
By:
Jan 12, 2015
I got this card to use for some work projects for my business. I used it for the project with the 6 months no interest offer. I paid most but not all of the balance and got hit with the full interest of the whole balance after 6 months. I think I only owed less than $100 when I got the interest charge. It was a bad experience. Also, they cut my credit back for no apparent reason. Shortly after that I closed the account.
Dec 28, 2014
Photo of Jemille H.
1
By:
Dec 28, 2014
It has no benefits. For someone who pays their card balance in full every month it is pretty worthless. Lowes card offers 5% back on all card purchases. What does HD offer on card purchases? Zero.
Dec 10, 2014
Photo of Aletha R.
5
By:
Dec 10, 2014
The Home Depot Card looks like a great credit card if you were going to make a major purchase in the near future. The fact that they are offering 0% interest for 6-12 months makes this a great option if I needed to purchase an appliance or spend $299 or more. I have been looking at refrigerators recently, and if I found one that I wanted at Home Depot, I would definitely apply for this card.
Also Home Depot offers free delivery and set up in my area, and they will take away the old refrigerator for free which is a huge plus. The interest rate is a little high, more
Nov 11, 2014
Photo of Michelle M.
4
By:
Nov 11, 2014
I have had this card for over 1 years now and it gives me so many options as far as payment. They offer 0% many times a year off of purchases higher than $500.00. They have great customer service as well. Most of it can be done online without ever having to call into the call center. I really have enjoyed my card and will continue to use it.
Oct 27, 2014
Photo of Steven M.
3
By:
Oct 27, 2014
HD card is great for doing 12, 18 & 24 months no interest but the ONLY reason I gave it 3 stars is because they list on your credit report as a "Credit Card" when it is actually a department store card. Since I bought my washer & dryer and refridgerator, my credit score went to crap because they show this card as a credit card carrying a high balance.
Oct 16, 2014
Photo of Jenny B.
4
By:
Oct 16, 2014
I do like that Home Depot offers no interest for 6 months, but if not paid off in that time frame, the interest is ridiculously high! In home improvement, most people will make a single fairly large purchase that can be paid off in about that 6 month time frame, especially when combined with other offers, such as big discounts that Home Depot offers during holidays and season changes. It’s a good card to have because more times that none it will have a zero balance, but on the occasional time you do use it, you have half a year to pay it off. Perks they could start offering that more
Sep 29, 2014
Photo of Blake C.
2
By:
Sep 29, 2014
The Home Depot Store Card has a fairly high interest rate starting at 17.99% however they also offer no interest periods of 6 or 12 months based upon the purchase price. You should also take note of the grace period of 25 days which is shorter than the billing cycle. The main reason I rated this card a 2 is because it does not offer rewards. Unless you need to use the interest free periods you would be better off using a rewards card for your purchase.
Sep 22, 2014
Photo of Elias C.
4
By:
Sep 22, 2014
While the Home Depot card has a very high interest rate of 26.9%, it also comes with six months of free interest. It is great if you are remodeling or making other major appliance purchases. It is also good as a "back pocket" card. It's the kind of card that you keep at zero balance but on the off chance that your fridge or washing machine breaks you know you have the means to purchase a new one right away. Plus, you get an extra 10% off appliances when you use the card!
Sep 6, 2014
Photo of Mitch S.
3
By:
Sep 6, 2014
There is really no reason to use this card unless you are buying something expensive and they give you 6 months of free interest. During major holidays like Labor Day and Thanksgiving they will give you 12 months of free interest on a minimum $299 purchase. Home Depot has the lowest prices and good service on major appliances and does price match competitors as well. I have used the card exactly twice in five years. Once to buy a new stove and once to buy a new refrigerator.
Aug 29, 2014
Photo of Tatiana M.
4
By:
Aug 29, 2014
Yup, I got this card. The Home Depot card is pretty good. I picked it up on the way to a remodel. The intro rate on purchases is fair. I am seriously safer with this card than I am with paper money. First Home Depot card I have ever had. Its working out good so far.
Aug 14, 2014
Photo of Geisa H.
3
By:
Aug 14, 2014
I like the Home Depot card but I believe it needs improvement, no discounts or coupons are offered. At this day and age home improvement is not just for men , we girls do things around the house and we love coupons. I have the card and I used to get something my husband really wanted for fathers day and I could not pay for in one shot (nail gun ) .I am grateful to have it. He was happy.
Aug 8, 2014
Photo of Nicole M.
3
By:
Aug 8, 2014
This card is pretty average, not much reward for using it. I only opened an account because I got a discount off my first purchase. The cashier who signed me up told me about some "secret" discounts for using the card, but it sounds like you have to ask for the discounts, which many users will forget to do. I paid it off right away, so didn't have to pay the high interest rate. The only reason I'm keeping the account open is in case we need to purchase appliances in the near future.
Jul 24, 2014
Photo of Devlin I.
3
By:
Jul 24, 2014
I used to work at Home Depot and would always recommend first time buyers to get the card. Of course this was my job. It wasn't until that I looked at the interest rate that I thought it was a bit high. The best feature about the card on the other hand is that it offers 0% for 6 months with a possible credit increase once you pay it off before the 6 months are up. There are no rewards of course with this card and all purchases have to made strictly with any Home Depot. I would not recommend purchasing anything online with Home Depot though. Even if you more
Jun 16, 2014
Photo of Alyssa H.
4
By:
Jun 16, 2014
I love having my Home Depot card. It has gotten many great uses already. I purchase a lot of non-traditional home improvement items here such as cleaning products, laundry detergent and paper towels. I have also used it this spring to help spruce up yard.
Jun 5, 2014
Photo of Jesilyn G.
3
By:
Jun 5, 2014
I think this card would be ideal for when we decide to remodel, or are purchasing a new home that needs repairs. The fact that it is 0% interest within the first 6 months gives you the opportunity to make big purchases and pay them back within time especially for landlords. I have a rewards MasterCard and although the points would be nice there is a 2.5% rate for monthly purchases and you only get a 15 day grace period.
May 8, 2014
Photo of Emily P.
1
By:
May 8, 2014
This Home Depot credit card provides no rewards and as near as I can tell is only good for purchases at Home Depot. I prefer Lowe's personally, so I wouldn't get much from this card. Furthermore, I always pay my credit card off monthly, so the fact that this card's only "boon" is the 0% interest rate for 6-12 months would not help me any. I never pay credit card interest because, as I say, I pay off my card every month. What does help me is the 1.5 percent back I receive from my Visa Travel Rewards Card for money I would have spent anyway.
Apr 24, 2014
Photo of Ken B.
5
By:
Apr 24, 2014
Great card. The initial 6 month offer proved to be very attractive and we used immediately. Upon paying our bill on time we were granted a credit limit increase that will be helpful for our next project. I like how the card is linked to the Home Depot web site. After signing in you can go directly to the credit center to make a payment, download statements, see recent transactions etc. I will continue to use this card for all my home improvement, building supplies, gardening needs and then some.
Apr 2, 2014
Photo of David B.
5
By:
Apr 2, 2014
This card is so convenient to use. The customer service is top quality and that experience alone differentiates the Home Depot card from other store cards. Not only are the values at the store great, but the convenience of using the Home Depot card makes the experience even better. I highly recommend this card.
Mar 24, 2014
Photo of Matt K.
5
By:
Mar 24, 2014
When I signed up for the Home depot card, I was awarded a 10% off discount on my current purchase. I was making a large purchase at the time, and knew I wasn't going to be able to pay it off for a while. The 6 months no interest was a huge relief because it made it very easy to acquire the funds I needed. I love the home depot card and use it every time I shop there.
Mar 19, 2014
Photo of Jaye G.
3
By:
Mar 19, 2014
I wanted to make some home improvements so I applied for a Home Depot. card and was immediately approved! This card has 0% APR for the first 12 months, so it made it easier for me to do some extra home projects that I wouldn't have been able to do if I had to pay in cash. A year was enough for me to get my balance paid off and complete my projects. On the downside, there are no reward programs, but then again, I don't use this card often at all, but it was definitely worth it in the beginning for my do it yourself projects.
Mar 19, 2014
Photo of Devon S.
1
By:
Mar 19, 2014
Honestly, i've had many credit cards and this one is one of my very bottom favorites. This card offers NO rewards and compared to the Old Navy or Best Buy card i am unsatisfied. I wish i had more to say, but I just don't think this card is worth it. You could easily get a better card for another store and actually get some rewards you'll love. I should also add that I never shop at Home Depot, so the Home Depot Card would not benefit me much outside of being a normal card. i can see why some people would like this card though, but i feel it more
Feb 6, 2014
Photo of Donovan I.
4
By:
Feb 6, 2014
I think the Home Depot card is a great idea. I love the fact that I can order online or use the card in the store. No interest for 12 months gives me plenty of time to get all of my purchases paid off. I am constantly making purchases for a man cave/ shed that I've been working on. When home repairs need to be made, I use my Home Depot card to get the necessary items for whatever job needs to be done. I would definitely be in a bind without it. I would recommend this card to any new homeowner.
Jan 19, 2014
Photo of Skye H.
3
By:
Jan 19, 2014
The Home Depot Store Card is an okay card. I used this while I was re-doing my bedroom, and it was nice not having to pay interest while I was paying off those expenses. There really wasn't much else to this card other than that. There are no rewards, and there's no other reason to get it unless you're doing some heavy shopping at Home Depot. It doesn't offer anything compared to a normal credit card with rewards. If you use this for anything other than Home Depot you're going to get hit pretty hard with the interest rate even if you have good credit.
Jan 14, 2014
Photo of Lori B.
2
By:
Jan 14, 2014
Go to Lowes, you'll get the same interest free offer in addition to 5% off your total. I just cancelled my order with HD so I could recharge the same items to another card that gave me some type of additional incentive to use it.
Jan 10, 2014
Photo of Lucas R.
4
By:
Jan 10, 2014
I think the Home Depot Store Card is a great card for any homeowner to have. If there is one thing I have learned about owning a house, it is expect the unexpected. Things will break or go wrong at the most random, inopportune times and the Home Depot is a great place to go for your repair needs. No interest for 6 months is very attractive and can definitely make those large purchases less of a headache. Compared to your average credit card such as Chase Ultimate rewards, it may not appear as attractive because of the lack of rewards points, but when you are in a pinch, you more
Dec 30, 2013
Photo of Doug M.
4
By:
Dec 30, 2013
I think at some point, everyone has been asked if they would like to apply for the store credit card in order to get an additional discount. I resisted for a long time, but when it was time to purchase a new lawnmower, I figured it would make sense. Just the extra % off for opening the account helped entice me, but I was lucky enough to get in on a 0% interest rate for 6 months. I had initially planned on using a rewards card I normally use for big purchases, but the savings was enough to convince me. I’ve used the card a few different times for bigger more
Dec 18, 2013
Photo of Roger B.
5
By:
Dec 18, 2013
I have been using the Home Depot card for a long time. I buy wood from Home Depot and it can get expensive so it is nice to have a card there. I highly recommend using this card!
Dec 17, 2013
Photo of Rafael M.
5
By:
Dec 17, 2013
Being a homeowner, having a store card for Home Depot is super helpful. Store cards typically do have a high interest rate, but if you are responsible and pay your credit card bills on time, it’s no big deal at all. I buy most of my yard and garage items at Home Depot and I simply love this card. I have not found another store card similar to the home depot one that provides me with what I need. I would recommend this card to everyone.
Dec 13, 2013
Photo of Karen C.
4
By:
Dec 13, 2013
I like using my Home Depot Store Card because I can buy anything for the home or yard when I need it, even if I don't have the cash. I tend to pay the balance off each month, so the high APR doesn't really add much to my bill as I rarely accumulate interest. I could use my American Express or my debit card, which if course have no interest rate, but I prefer to use the store card, particularly when added discounts are offered for doing so.
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Dec 8, 2013
Photo of Christina D.
By:
Dec 8, 2013
If you were not instantly approved applying through the link on this site how long does it take to get a reply in the mail? Also what other information do they ask?
Jan 2, 2014
Photo of Card H.
Jan 2, 2014
In most cases, you will either receive a new card in the mail or a rejection letter within two weeks of submitting an application. Most credit card companies require applicants to provide basic biographical and financial information, such as their name, address, Social Security Number (SSN), income, bank account info, etc. For more information on the credit card application process, check out CardHub's How to Apply for a Credit Card article (http://www.cardhub.com/edu/ways-to-apply-credit-card/).
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Last updated on: May 20th, 2015 at 5:48 EDT