The Home Depot Consumer Credit Card
The Home Depot Consumer Credit Card
The Home Depot Consumer Credit Card
Card details
6 Months Financing* on purchases of $299 or more.
Up to 24 Months Financing* during special promotions.
1 Year to Make Returns - 4X longer to make returns, just for being a cardmember. Refer to The Home Depot Returns Policy for details
Zero liability on unauthorized charges.
Credit card limits based on creditworthiness.
Minimum payments required.
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
N/A
Intro APR
N/A
Ongoing APR
APR: 17.99%, 21.99%, 25.99%, or 26.99%, Variable
Foreign transaction fee
None
Recommended credit score
NerdWallet review
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Rating details
2
Editor's overall rating
Pros and cons
Pros
No annual fee
Cons
No rewards
While Home Depot stores promise to bring your home improvement dreams to life, the The Home Depot Consumer Credit Card will do little to bring those dreams to fruition.
That’s because, despite its $0 annual fee, it doesn’t offer sufficient ongoing rewards or perks to justify its relatively high APR. Many consumers would find greater rewards, even for home improvement spending, with a general cash-back or rewards card.
One benefit worth noting is that The Home Depot Consumer Credit Card can help you finance a large home project: It offers six months of deferred interest on purchases of $299 or more.
For more information, you can see a closer look at this card.
