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Home Depot Consumer Credit Card

Home Depot Consumer Credit Card


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Your Rating:

3.6/5.0 from 5 Offer Ratings
Over the Past 60 Days!

(5) Over the Past 60 Days!

  • APR 17.99% - 26.99%
  • Balance Transfer APR N/A
  • Cash Advance APR N/A
  • Annual Fee $0
  • Late Payment Fee $35
  • Returned Payment Fee $35
  • Minimum Interest Charge $2.00


  • Click "APPLY NOW" to apply online
  • Extend your budget for making home repairs, updates and improvements
  • 6 months financing on purchases of $299 or more
  • Up to 24 months financing during special promotions
  • 1 year hassle free returns
  • Only accepted at Home Depot

Expert Reviews

From the Editorial Team

This is a charge card that can be used for purchases at Home Depot, and it offers some cardholder benefits that may be useful to some consumers.

Expert Reviews of the Home Depot Consumer Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

The financing is rather expensive, whether you are carrying a balance on the card or using the long-term financing for a larger purchase, and so the main benefit is that you can return items without a hassle for up to a year.

The Good

You can qualify for 6 Months financing on purchases of $299 or more and up to 24-month financing during special promotions. You also are eligible for hassle-free returns for up to year from the date of purchase.

The Not So Good

The purchase APR is 17.99%, 21.99%, 25.99%, or 26.99%, based on your creditworthiness – and except for the lowest rate, which is not that great, those are all quite high. Also, when you use the financing offers, if you don’t pay off the entire amount financed by the due date then you will be charged full interest from the purchase date.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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