Home Depot® Store Card

Home Depot® Store Card
Required Credit Score: Excellent, Good, Fair
4 177 reviews   Write a Review!
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Home Depot® Store Card's Rewards

This card does not offer rewards.

Home Depot® Store Card's Key APRs & Fees

Intro Rate on Purchases
0% for 6 - 12 months
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
N/A
  • ANNUAL FEE None

Home Depot® Store 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
  • No interest if paid in full within 6 months on purchases of $299 or more on storewide and online offers. No interest if paid in full within 12 months on purchases of $299 or more on heating and air condition offers. No interest if paid in full within 12 months on building materials, appliance and water treatment. Valid 2/1/2014-1/31/2015.
  • Online Services, including account management, online-only statements, account activity, and faster payments.
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Home Depot® Store Card Reviews

 
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Overall Rating: 4.0 / 5
Total Ratings: 177
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Apr 24, 2014
Photo of Ken B.
5
By:
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:
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:
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:
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:
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:
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:
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:
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 J.
4
By:
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:
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:
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:
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:
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.
Dec 8, 2013
Photo of Michael E.
4
By:
I generally use the Home Depot card for larger purchases at the Home Depot so that I can take advantage of the zero interest rate for 6, 12 or 18 months, depending on the purchase size. I think that this has worked out as a good deal. For regular purchases, or if you don't pay the card off by the offer expiration date, the APR is quite high. So, if you are planning some larger home improvements, or an appliance purchase and want to spread the payments out over time with no interest, it is a good deal.
Dec 6, 2013
Photo of Andrew L.
3
By:
Home Depot Store Card is another card in my wallet that does not get too frequent uses nowadays, but back when I applied for it we were renovation our home and used this on a weekly basis. I did have decent credit on those days but did not get offered a high spending limit initially. Overtime I was able to raise my limit but my APR stayed quite high. Nowadays this cards gets barely any use, but I still recommend it to people who shop at Home Depot frequently.
Dec 4, 2013
Photo of Jason B.
4
By:
The Home Depot Store Card made sense for me, as a regular shopper at the local store around the corner. I had originally signed up for the card to take advantage of a deferred interest deal on a rather expensive home investment, but it turned out to be a solid all-around card as well. The interest rate varies with your credit, but with great support and a reliable card, it is a great choice if you frequent the Home Depot store.
Dec 4, 2013
Photo of Susan C.
4
By:
If you like Home Depot or have a large home improvement or appliance purchase coming up, the Home Depot Store Card may be the right pick for you. Overall there is nothing "special" about the Home Depot Store Card, but it can be helpful tool in larger purchases or tracking spending. The card has no annual or monthly fee, so if you do not use it, there are no additional costs. The late payment fee is somewhat standard at $35 and the average interest rates ranging from 17.99% to 26.99% are typical of most retailer cards. If you're planning on keeping a balance on the card and paying interest, you more
Nov 26, 2013
Photo of Jay F.
4
By:
For those of us that have shopped for a store credit card before it comes as no surprise that these types of cards typically have very high rates. The Home Depot store card is no exception in this case with variable rates as high as 27%. To be fair they do also have a floor at just under 18% which is better than what most store cards offer. What makes this card stand out to me is the no interest offers on major purchases such as heating, air conditioning, appliances, and siding, etc. This could save home owners a substantial amount and for some this could provide a better option more
Nov 22, 2013
Photo of Stela G.
3
By:
The rate on the Home Depot Store Card is about average compared to that of other store cards. It’s easy to qualify for and quick to sign up at the register. However there are no other real benefits to this card, especially if you are a regular shopper. For example many store cards offer a discount on your purchase when you first sign up, and then a regular store discount on all purchases after that. With no such perks with this card, it’s really only good for large purchases that you made need to pay for over time, with 6-24 months deferred interest on purchases of at least $299.
Nov 19, 2013
Photo of Krystal M.
4
By:
The Home Depot Store Card is a good one to apply for, especially if you're doing home repairs, a contractor or just purchasing a new home. You don't need the best credit to qualify, like a lot of store cards require. They don't offer a rewards program, but I think their intro rate makes up for it. They offer a 0% interest rate for the first 6 months and up to 24 months. After that, their regular rate starting around 18% is very low compared to other store cards, unfortunately, your interest rate could be as high as 27%. They also offer online services, including account management, online only statements, more
Nov 11, 2013
Photo of Dan D.
3
By:
If you do a lot of home improvement or contractual work, the Home Depot Store Card might be the card for you. It's only good in their store, but it offers attractive finance rates as low as 17.99%. That is much better than the comparable Lowe's APR of 24.99%. There are no frills with this card and unless you do heavy shopping at Home Depot then this card probably isn't for you. It has the same no annual fee as the Lowe's card and an extra two days grace period. It really is a card for someone who needs some credit to get projects done. Their customer service is pretty more
Nov 4, 2013
Photo of Chris B.
3
By:
The Home Depot Store card is a niche card that won't be attractive or even useful to a lot of people. However, if you are planning a huge home improvement project and would like to finance the costs over a few months, then this card would be pretty valuable. The card's only feature is an interest-free introductory period for the first 6 months. While that is nice, other store cards like Best Buy's also have some sort of rewards or cash back program to go along with the introductory period. The APR is pretty standard, ranging from around 18 to 27%. In short, it's a decent card if you shop more
Nov 1, 2013
Photo of Jeff G.
4
By:
I purchased an older home recently, and decided to apply for a Home Depot Card. The application was painless, and the approval was quick. It was a real life saver to help me keep up with expenses as I remodeled the home. The interest rate was not bad, and so far the little interaction I have had to have with customer service has been above average. With the 6 months interest free feature, I have plenty of time to make sure everything gets paid off, but still track it all differently from my other expenses that I have using my regular debit card. It also makes it nice if you more
Oct 31, 2013
Photo of Allen M.
3
By:
The Home depot credit card is great to have if you are moving into a new home or remodeling. I liked the six months without interest because it let me budget my new kitchen over six months instead of paying it all at once. The interest can be brutal if not paid completely by six months so make sure you pay attention to that. I prefer shopping at Home Depot so I prefer their card but I have looked at Lowe’s card offers and was disappointed that the Home Depot Card did not offer more in terms of rewards. On bug purchases like home improvement projects five percent rewards can more
Oct 18, 2013
Photo of Alyxandra R.
5
By:
I love my Home Depot Store Card! It wasn't difficult to qualify for, even though I don't have perfect credit and the interest rate is lower than many cards out there. If you have a lot of work to do around the house, it's a good card to have for the convenience. My only complaint is that there is no rewards program offered in conjunction with the card and they don't have any special offers or discounts for when you apply. But still, it has come in handy for when some unexpected repairs have been needed to the house or when there's been an improvement project. I would recommend this more
Oct 18, 2013
Photo of Tracy H.
4
By:
This Home Depot card is excellent if you are remodeling or adding on to the inside or outside of your home. It is also a great card if you need to purchase a new appliance of some type and want to get six months with no interest. The card has a pretty good interest rate compared to other cards and does not have a yearly fee. The home depot card has a wonderful online account management system where you can pay from anywhere online and also see your statements and any account activity you have had. Keeping up with projects and the price of things are so much easier when more
Oct 15, 2013
Photo of Joseph G.
3
By:
The card is good if one is moving to a new home or one needs constant fixes to decorate and make the home look trendy, but otherwise there are not much benefits one can draw out of it. There is a whooping 17.99% interest rate if defaulted and thats extremely high! I do agree that they are accepted in most places, but Home Depot Cards have done nothing about it to improve their customer base - there is no cash back rewards, no exclusive prices, nothing which any other card with such wide customer base would offer! I wouldn't recommend this one..!
Oct 8, 2013
Photo of Bela K.
5
By:
This card has been really helpful to me as I am currently doing many home projects. IT was worth it to sign up and see what rewards I could get by using the Home Depot Store Card. There is a high interest rate of 17.99 percent, but that is not to outweigh the good sides this card has to offer. It will help you have an easier shopping experience. It is very useful to those of you who enjoy the home depot's low pricing. I would recommend this to anyone who shops here. Although I do not know of any rewards program, I still enjoy having this card at my disposal.
Oct 4, 2013
Photo of Chris N.
4
By:
I like this card because I shop at Home Depot fairly regularly they have very competitive pricing and generally having helping hands throughout the store. The one thing I really dislike about the card is the interest rate it is extremely high 17.99 being the lowest is kind of crazy. Compared to some of my other store cards I do have a 6 month interest free period on all my purchases which is a nice thing to add. I do like the grace period this card offers for late fees which is 25 days that's nice they don't try to penalize you right away. Overall this card is really good more
Sep 26, 2013
Photo of Jesse S.
4
By:
The Home depot Store Card is an alright store card to use. I always am getting things for fix up the house. I am a new home owner and I am trying to fix up the house that I bought. This card is great because I don't always have the money to get the things I need for my projects. You can also get a lot of household items there that you would get from the grocery store like toilet paper and dish soap even if your low on funds. For me, it is one of my most frequently used cards because it's they got everything I need there. The more
Sep 26, 2013
Photo of Ben M.
2
By:
The Home Depot Store Card is really lacking any benefits that their competitors have. All you can really do with a Home Depot card is 6 months of no interest financing if you pay off your bill within 6 months. For comparison, the Lowes Credit Card offers the same deal or 5% back on every purchase. Even the Menards card offers a 2% end of year rebate on all purchases. I really wish they would have offered some sort of rewards for using their card, as I tend to pay off all my purchases immediately to avoid finance charges. I would highly consider the Lowes card instead if you are more
Jan 14, 2014
Photo of Lori B.
Lori McKirahan Burton
I agree. I applied for the card thinking I'd receive some incentive from HD to use it for purchases at their store, like Lowes gives, but nope. I ended up cancelling my order with HD so I could order again using a different card. I think HD's customer service department must be used to this type of explanation because they offered no incentive to keep the order placed.
Sep 23, 2013
Photo of Priscilla V.
4
By:
The Home Depot Store Card is worth applying for in my opinion. The fact that you pay no interest if paid in full within 6 months is a fantastic feature for anybody that needs a quick pick me up or home repair but does not have the funds at that moment for any emergency. Another great feature is the no annual fee. You can feel free to have this card active at all times and not worry about getting charged fees if you choose not to use it. I actually own a Lowes card which has similar features as The Home Depot Store Card, for example no interest for 6 more
Sep 19, 2013
Photo of Tao A.
4
By:
The Home Depot Store Card is pretty much a must have for homeowners who don't have a general rewards card. The interest rate peaks at a pretty high point but it IS variable, unlike the Lowe's card. It's also available if you have less than perfect credit. The 0% interest if paid in full by six months really makes this card great for people just starting out in a new home. If you have a general rewards card available to you, that is probably a better choice as, unlike most store cards, you don't earn cash back with the Home Depot card.
Sep 10, 2013
Photo of Calvin H.
4
By:
The Home Depot Store Card is pretty snazzy. Even though the interest rate is pretty high, their offer for 0% interest if paid in full by six months makes this a very attractive card for those that need to shop here a lot. It also helps that they have an online service for their store card, making it easier to manage finances, especially when these credit cards are only available for use at the store it's offered at. Also, the range of APR's makes this better than some other cards, like the Lowe's card which only offers 24.99% no matter what. This may be useful if you frequent Home Depot.
Sep 5, 2013
Photo of Skab D.
4
By:
The Home Depot Credit Card has worked great for us. We signed up for one when our washing machine broke down unexpectedly and we needed a new one. I thought the APR for the card appeared high, but looking at other store cards, I guess it's not. Home Depot regularly sends offers for no interest for a given number of months on a purchase over a certain amount. These are very useful for unforeseen major appliance failures. I also really like the fact that I can access the credit card balance online through their website. Even more useful, the balance can be accessed through mint.com, which we use for budgeting more
Sep 5, 2013
Photo of Tiffany M.
3
By:
We've had Home Depot Store Cards in our family before and they have always been very beneficial. If your house is like ours it is always in need of some fixing up and the Home Depot Card is a great way to make sure you can do that without going way over on your monthly budget. There aren't any incentives like bonuses or anything like that but the APR isn't too high, though it's higher than the Lowe's Business card. The no interest if paid within 6 month option is a great deal. It does require a certain dollar amount to receive that deal but if you're going to make more
Sep 3, 2013
Photo of Teanna H.
4
By:
This card comes in pretty handy whenever I need to buy appliances. I got the card when I first bought a new washing machine a year ago. The customer service representative explained the benefits and it seemed just right. I was able to buy my washing machine and could pay it off in increments. The good thing about this card is that there is no interest if paid in full within 6 months of purchasing the item. This gives me a lot of time to enjoy the purchase without worrying about the money issue. The next time I was able to purchase a new refrigerator and used the card in more
Aug 20, 2013
Photo of Chris M.
4
By:
I've had the Home depot Store card for years, and I absolutely love it. I'm always doing home repairs and fixing various things around the house. When ever something breaks or needs updating I'm the guy to call. Being able to go to home depot and buy what I need, without having to pay immediately is very nice. Especially since if you pay off the bill within 6 months there is no interest charged! I love this little card and I use it quite often. I highly recommend the Home Depot store card if you spend a lot on home repairs stuff a lot.
Jun 21, 2013
Photo of Pat M.
4
By:
I got a home depot card in 2009 shortly after buying my first house and need a need water heater. I figured it would be a good idea to have with new home improvement projects coming up. the interest rate reasonable as far as credit cards go. I wound up using the card quite a bit over the next two years. it was nice being able to afford to make upgrades to my house and have extra time to pay for it. there is no way I could have afforded all the stuff I wanted to make my house the way I wanted it.
Jun 21, 2013
Photo of Nella S.
4
By:
I got this card in 2006 when I was trying to improve my credit score so that I could eventually buy a home. It wasn't until 2008, that I bought my home and began using this card. Even with hardly any credit history, they approved me for quite a bit of money, but with a nasty percentage rate. It's perfect for items that you intend on paying off in under a year. Many times they offer promotions that allow you to go interest free for a full year. My first purchase with this card was my Trane central air conditioner, so it was a big ticket item. My intention was more
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Dec 8, 2013
Photo of Christina D.
By: Christina Danforth
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.
Card Hub
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Last updated on: Apr 24th, 2014 at 11:18 EDT