The Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card

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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: 29.99%, Variable

  • Foreign transaction fee

    None

Recommended credit score

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NerdWallet review

By Kimberly Palmer

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.