Home Depot® Business Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Home Depot® Business Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Home Depot® Business Credit Card has a rating of 2.4/5 according to our proprietary credit card rating system. This rating reflects how appealing Home Depot® Business Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Business - Improve Credit by Paying in Full Each Month'. To break it down further, Home Depot® Business Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 4.0/5 for Cost, and 3.8/5 for User Reviews. Info about the Home Depot® Business Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
144 reviewsRead and write reviews
Market Comparison
Market Comparison
2.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
4.0
Other Features
0.0
2.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
21.99%
Balance Transfer
Balance Transfers Not Allowed
Home Depot® Business Credit Card's Additional Info
If billing address is in GA or NC at account opening Purchase APR will be 15% and Default APR will be 20%.
Automatic Pro Xtra Membership.
Get $25 off your first purchase of $25 up to $299, $50 off your first purchase of $300 up to $999 and $100 off your first purchase of $1,000 or more (valid until 7/31/2024). Terms Apply.
Make low monthly payments or pay in full each month.
Issue cards to employees entrusted to make purchases on your account.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.8
Market Comparison
2.3
fees: 5.0
rewards: 0.0
cost: 4.0
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
APR: 5.0
Other Features: 1.7
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Home Depot® Business Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You'll need a credit score of at least 640 (fair credit) to be considered eligible for a new account. And besides your credit score, the issuer will also look at your income, debts, and payment history to decide whether to approve you or not.
You can pay for the Home Depot® Business Credit Card online, on the Home Depot website or through the mobile app. Alternatively, you can pay your credit bill over the phone, at (800) 677-0232 or by mail. The issuer does allow cardholders to set up automatic payments, too. Keep in mind that you cannot make a Home Depot® Business Credit Card payment in-store.
Ways to Pay Your Home Depot® Business Credit Card
Online:Sign in to your online account and click the “Make a Payment” button. From there, you'll...
If it turns out that your application is denied, you can try asking for a reconsideration by calling the same number. If the issuer doesn't want to change their decision, consider applying for a secured card instead. Check out our editor's latest picks for secured business credit cards to find one that fits your needs.
The Home Depot® Business Credit Card grants you an automatic Pro Xtra membership, which provides benefits like competitive pricing and special delivery options. The card has a $0 annual fee and is intended for applicants with at least fair credit.
You can only get pre-approved for the Home Depot® Business Credit Card if you receive an offer to apply. The issuer does not offer pre-approval through its website, so if you're interested in applying for the Home Depot® Business Credit Card, you'll have to do so without the benefit of checking for pre-approval beforehand.
If you're not sure which business card is right for you, try using WalletHub's CardAdvisor tool, instead. Just answer a few general questions, and based on your responses, CardAdvisor should provide you with some recommended business card offers.
Yes, the Home Depot® Business Credit Card reports your account activity to all major business credit bureaus: Dun & Bradstreet, Experian and Equifax.
The card will send reports to these bureaus every month. By doing that, it can help you build credit score for your business, as long as you make your payments on time and keep your credit utilization low.
You can get a replacement for your Home Depot® Business Credit Card by logging in to your online account, using the Home Depot App for iOS and Android, or by calling customer service at (800) 677-0232. There is no fee to get a Home Depot® Business Credit Card replacement, which should arrive within 5-7 business days.
How to Get a Home Depot® Business Credit Card Replacement
Online: Log in to your online account. Click the "Help & Contact Us" tab and then select the link to "Report...
There is no disclosed starting credit limit for the Home Depot® Business Credit Card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Things to Know About the Home Depot® Business Credit Card Credit Limit
The Home Depot® Business Credit Card credit limit that you start with won't necessarily be...
Share your insights and review for the Home Depot® Business Credit Card
5
15%
4
69%
3
10%
2
2%
1
4%
3.8
144 reviews
144 reviews
What's Your Rating?
Review sort
ngalex53 @ngalex53
Report Abuse
1 Star Rating
Verified Customer
Unbelievable. All but impossible to see what your actual purchases are. Customer service is no help with that. You must go to a store and request a print out. ALSO if you don't pay your entire balance off each month, but DO make at least the minimum payment due, you STILL have a $60 fee for not fully paying off your bill each month! Is that legal? Very disorganized, and difficult to navigate all systems related to this card. I've had mine 3 months, and will be paying off and closing my account this month. Never again. There is NO benefit to having this account.
show more
show less
Comment
0
0
tbc19533 @tbc19533
Report Abuse
1 Star Rating
Verified Customer
Poor communication. Statement not received, no attempt to contact us until turned over to collection. Was a $16.94 charge turned into $264. If they would have called the number they gave to the attorney,we would have taken care of it. If I was to stiff someone, it would be for a lot more the 16.94!
show more
show less
Comment
0
0
Mindy Henderson @mindy_2
Report Abuse
1 Star Rating
The website is full of bugs. Cannot do simple things like ACTIVATE A MOBILE PHONE NUMBER to receive text notification or change email addresses where notices go. I HATE THIS WEBSITE WITH A PASSION!!!!!
show more
show less
Comment
0
0
Chris J @4mybuying
Report Abuse
1 Star Rating
Horrible customer service. Long wait time, rude employees, refusal to properly explain card aspects, and refusal to allow customer to speak to another employee. Either prior employees or most current lied. This is unacceptable.
show more
show less
Comment
0
1
Tyler Regan @tyler.regan.5
Report Abuse
5 Star Rating
The company I've worked for for around 7 years has been using the Home Depot Business Store Card almost exclusively. The business is a small residential home building construction company and with all the changes that homeowners make without much warning, it is necessary to have an option that is convenient and fully stocked. They even have staff workers on hand that can cut lumber and even weld which makes getting back on the job a breeze! I would highly recommend the store, and the store card to anyone in the business of construction, or anyone who likes convenience when renovating someone else's home or your own.
show more
show less
Comment
2
0
Mary Stouffer @mary.stouffer.7
Report Abuse
5 Star Rating
My husband and I had a business home depot card or our small business company. It was very convenient when we were out on a construction job and something would come up, and we needed a different tool, or the customer would change their mind about the project, so because they have so many locations, we normally would not have to drive too far and normally they would have it in stock. Although my husband has passed away and we no longer have the company I still use it for many of my projects around the house. They always seem to have plenty of help on hand to help you find something or help you decide which is the best material for the job at hand. I would recommend home depot to my friends, family, and any business associates.
show more
show less
Comment
2
0
Jenette Morrow @jenette.morrow
Report Abuse
5 Star Rating
My husband and I own a small construction outfit so having an excellent material supplier is a basic lifeline of ours. Having access to available credit for materials was especially important when we fist started out but is still an important staple needed for our continuing success. Home Depot was the first place we applied for the credit we needed to start our business. I definitely feel lucky that they accepted us because they have been wonderful. I have never had a problem or even a small issue with them. They have always tried to accommodate us.At one point we even needed an emergency increase in our credit with them and they gave it to us while making us feel good about it instead of the lecture that some companies might give you. When we first started out we had to make the minimum payment at times but now that we are on our feet we are able to pay the amount owing every month, most of the time, and are rewarded for doing this with not having to pay any interest that month. Which as you all know is a definite plus. However the interest rate we have to pay when we can't pay the amount in full is very low. I recommend to obtain this card to anyone who is starting out or even well established, this cad will be an asset to you.
show more
show less
Comment
0
0
Jordan Selin @jordan.selin.5
Report Abuse
5 Star Rating
I have had the home depot credit card for several years now and have always had nothing but the best service with this card. I have used this card to make purchases from everything as small as light bulbs to buying siding for my house. They often offer promotions and great discounts for using your home depot card. When I first opened the card I recieved a year with no interest and used it to carpet my entire home and was able to pay it over time with no interest. I like the fact that you will often recieve coupons in the mail to use with you card to make no interest purchases. I also love the ease of making a payment I can just stop by any home depot and make a payment in just a few minutes. The customer service has always been great as well very attentive and always very helpful. I have only had two situations in which my account had an issue and both times I was charged interest during a time when I should not have been charged. On both occasions I called the 800 number and was able to speak to a person and have the problem cleared up quickly and with minimum hassle. Great company and great card.
show more
show less
Comment
2
0
+ 136 WalletHub users submitted a rating without writing a full review
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Home Depot® Business Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.