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Home Depot Commercial Credit Card

Home Depot Commercial Credit Card


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  • APR Varies according to state
  • Annual Fee $0
  • Late Payment Fee $35


  • Click "APPLY NOW" to apply online
  • With a Home Depot Revolving Charge Card, make low monthly payments or choose to pay in full each month
  • With a Home Depot Commercial Account, pay in full each month
  • Receive fuel discounts and Pro Xtra Membership for pro savings and benefits

Expert Reviews

From the Editorial Team

The Home Depot Business card is a charge account that offers businesses an easier and more organized way to manage their expenses paid at Home Depot. Plus it extends benefits that include a rewards program.

Expert Reviews of the Home Depot Commercial Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0


  • 3.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

Businesses that shop a lot at Home Depot will find this card to be a helpful account management tool, and they may also derive good benefits from the chance to earn discounts on gasoline. 

The Good

There is no annual fee, and there are flexible payment options and easy-to-read SKU-level itemized billing statements that can be managed online. You'll automatically earn savings of 10¢ per gallon on gasoline for every $100 of qualifying Home Depot purchases. That’s delivered in the form of a gas card you can swipe at the pump at Shell and other participating gas stations. Other benefits include 60-day no-interest financing, and one-year merchandise returns credited back to your card.

The Not So Good

The fuel savings rewards are limited to 20 gallons of fuel per purchase per vehicle. The APR is 17.99% to 26.99%, based on your credit worthiness, and the APR rates in the upper range are quite steep.

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.

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