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How Do I Apply For Home Depot Credit Card

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On new accounts, The Home Depot Consumer Credit Card offers $25 off purchases of $25 to $299, $50 purchases of $300 to $999, or $100 off purchases of $1,000 or more. That’s not nothing.

Still, unlike many store-branded credit cards, there are no ongoing rewards for in-store purchases. You can do better.

For example, if you’re a do-it-yourselfer and you’re not loyal to Home Depot, the Lowe’s Advantage Card offers 5% off eligible store purchases, earning it a place among NerdWallet’s best store credit cards. For purchases of $299 and up, you can choose either the 5% discount or a similar deferred interest offer.

» MORE: Full review of the Lowe’s Advantage Card

The Home Depot Consumer Credit Card Vs Capital One Walmart Rewards Mastercard

Both the Home Depot card and the Capital One Walmart Rewards Mastercard are store credit cards with identical, steep ongoing APR rates and the same credit requirements for approval. Deciding which one fits better in your wallet will depend on which store wins the bulk of your purchase power.

Neither card charges an annual fee, but a key difference between the two is the opportunity to earn rewards. If Walmart is your grocery store of choice, you can earn a significant 5 percent back on purchases at You can also cash in with 2 percent back at physical Walmart stores, eligible purchases at fuel stations, restaurants and even on travel. Finally, similar to the Amazon Prime Visa Signature, you can earn 1 percent back in rewards wherever Mastercard is accepted, which is almost everywhere else. Boost the cards value even more by using Walmart Pay, where youll be able to earn 5 percent back in Walmart stores for the first 12 months.

Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card* is a store card, meaning it cant be used outside of Home Depot. The card offers access to special promotional periods but also offers six months of special financing on purchases of $299 or moreno interest is charged if the purchase is paid off within the special financing period but deferred interest is charged from the date of purchase if the purchase is not paid off in full.

The card also offers zero liability protection for any unauthorized charges to the account and cardmembers can also enjoy the added benefit of a full year to make returns on purchasesfour times the limit on Home Depots regular return policy.

Examples of special promotions include two valid in March 2022: one for 12-month financing on installed fencing purchases for $2,500 or more and another offer for up to 18-month financing on decor purchases with no interest owed if paid in full within the promotion period. Beware: If purchases are not paid off by the end of a promotional period, deferred interest is charged from the date of purchase.

Read Also: Where To Apply For First Credit Card

Cardholders Enjoy A Longer Return Period And Exclusive Offers

Frequent Home Depot shoppers might benefit from the fact that hassle-free returns are offered for one year with the card, which is four times longer than you’d normally get on Home Depot purchases. That could come in handy, especially on large purchases that you end up regretting later.

Cardholders also enjoy rotating exclusive offers, such as 10% off a certain brand for a limited time, or 24-month financing offers during special promotions.

» MORE:Best credit cards for home improvement for new homeowners

The Home Depot Project Loan

The Best Co

The Home Depot Project Loan is more like a fixed personal loan than a traditional credit card. If you qualify, you can access a line of credit up to $55,000 with up to 84 months pay it off. Youll have six months after approval to purchase everything for your project, which youll pay off in fixed monthly payments at a fixed interest rate. Theres no annual fee.

Your APR is based on your loan amount and credit approval. There are four tiers you may be approved for:

  • 66 monthly payments at 7.42% APR
  • 78 monthly payments at 12.86% APR
  • 90 monthly payments at 16.24% APR
  • 114 monthly payments at 19.96% APR

Monthly payments will not exceed $20 per $1,000 spent. Heres what your monthly payments might look like depending on your loan amount, according to Home Depots website:

Loan Amount
$55,000 $1,100

While the interest rates on a Home Depot Project Loan can be much more affordable than interest on the Home Depot Consumer Credit Card, your total will quickly add up if you only make minimum monthly payments over the lifetime of the loan. Before you start your project, budget for the supplies youll need and come up with a plan to pay off your purchase as quickly as possible to avoid racking up interest payments.

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User Id And Password Guidelines

The perfect secure password is easy to remember, but difficult for outsiders to guess. Keep these tips in mind when creating your User ID and Password.

You should:

  • Make your User ID and Password two distinct entries.
  • Make your User ID and Password different from the Security Word you provided when you applied for your card.
  • Use phrases that combine spaces and words . NOTE: 1 space only between each word or character.

You should not:

  • Use your name.
  • Use multiple consecutive spaces.
  • Use more than three consecutive or sequential digits unless your User ID is an email address .
  • Use a single word that can be found in the dictionary.
  • Use something readily identifiable, such as your name, birthday, spouse or childs name, Social Security Number, phone number or street address. These can be traced directly to you and are easy for potential hackers to guess.
  • Use letters or numbers that are near each other on the keyboard .

Need more suggestions? Have some fun and try one of these formulas:

  • Choose a meaningful phrase with 6-8 words in it and take the first character of each word to make your password: wboh9ya.
  • Insert two digits into a word .
  • Replace the vowels or other letters in a short phrase with numbers or other characters.
  • Misspell a word, drop some letters, add other characters, or make up crazy words using symbols instead of vowels or consonants.
  • Drop the vowels in a long word . Even better, add some numbers .


How Do I Pay My Home Depot Credit Card

You can pay your Home Depot credit card balance three ways:

  • Online: Go to to pay your Home Depot credit card bill online.
  • Over the phone: Call 476-3860
  • : Write a check to Home Depot Loan Services and mail it to the following address:

Dept #3025

See how the Home Depot credit card compares to similar credit card options.

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It Offers Deferred Interest

The Home Depot Consumer Credit Card can help you finance a big home project in fact, that’s its primary selling point. It offers six months of deferred interest on purchases of $299 or more.

Be aware, however, that there’s a difference between deferred interest and a true 0% intro APR offer. The former merely “sets aside” interest, while the latter waives it for a period of time.

With The Home Depot Consumer Credit Card, if you fail to completely pay off the balance at the six-month mark, youll be responsible for interest accruing from the day you made the purchase. That could end up being an expensive mistake.

If you can qualify for a card with a true 0% introductory APR offer that lasts 12 months or longer, youd be better off. The Chase Freedom Unlimited®, for example, offers an intro 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 16.49%-25.24% Variable APR. Plus, it earns rewards: at least 1.5% on everything.

» MORE:Best 0% APR credit cards || Best low interest credit cards

New Cardholders Enjoy A Modest Home Depot Discount

$3,000 Home Depot Credit Card! Soft Pull Preapproval!

As a new Home Depot cardholder, you will receive $25 off your first purchase if you spend up to $999. Similarly, you can enjoy a $100 discount if you spend $1,000 or more when you first receive your card. Additionally, Home Depot regularly runs promotions to encourage cardholders to fund purchases with the card.

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Home Depot Credit Card Vs Lowes Advantage Credit Card

The Lowes credit card is very similar to the Home Depot credit card, and both appeal to home DIYers. Like the Home Depot card, the Lowes Advantage card has a $0 annual fee and offers 6-month special financing for purchases $299 and up.

However, the Lowes credit card offers a rewards rate of 5% back on purchases. As the Home Depot card doesnt offer any rewards, the Lowes credit card is a better deal.

Our Top Pick: Lowe’s Advantage Card

The Lowe’s Advantage Card wins vs. the Home Depot Consumer Credit Card in our analysis. Both offer useful financing options, but the Lowe’s Advantage Card has an everyday discount the other card lacks.

Making home renovations can be a smart way to improve your living space and add value to your property, and Home Depot and Lowes are two names most homeowners likely know. Both are major players in the home improvement space, and they both offer store credit cards that can make your life a little easier the next time you need to finance a renovation project. But which one offers the best credit card for your wallet?

Well compare the Home Depot Consumer Credit Card vs. the Lowe’s Advantage Card in terms of discounts, financing options, regular purchase APRs and more, so you can choose the best card for your needs.


Terms and conditions apply to the above financing offers.

Its important to understand that these no interest offers come with a catch: They involve whats known as deferred interest. The way deferred interest works is that if you dont pay in full within the promotional period, youll be charged interest on the full purchase amount from the date you made the purchase. It has the potential to result in an expensive charge, especially with the APRs on these cards. Plus, the minimum monthly payment might not be enough to pay in full before the financing period ends.

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Alternate Credit Cards For Home Improvement Projects

Rather than going with a card that offers deferred interest financing, consider one with a 0% introductory APR. When a 0% intro APR ends, if youre still carrying a balance, youll incur interest on that balance but only on what you still owe, not on the full purchase amount from the date of purchase.

Some cards with 0% intro APR periods on purchases are listed below.

The Home Depot Credit Card Is Right For You If:

The Home Depot Credit Cards Reviewed

You shop at Home Depot often and you either want to finance purchases or you’re trying to build your credit score.

For the typical consumer, the Home Depot® Credit Card offers limited usefulness. That’s frequently the case with store credit cards, but most of them at least earn rewards points or cash back.

The lack of benefits means this Home Depot® Credit Card is only useful for two things: its deferred interest financing or as a stepping stone to better cards after you’ve improved your credit. If neither applies to you, check out other and you should be able to find one that you like more.

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Can You Pay For Your Card At A Home Depot Store

No. Your Home Depot card balance payments are not made in-store. Instead, you can make payments online, by mail, or by phone.

For Home Depot Consumer Card


Via mail: The Home Depot® Consumer Credit Card Payments, Home Depot Credit Services, P.O. Box 9001010, Louisville, KY 40290-1010


Who Should Consider The Home Depot Credit Card

If youre an avid Home Depot shopper, the card may make sense for you. The card does not offer any cash back, but it could be enticing for those interested in the introduction offers currently being made. With that, consumers may want to consider one of the best cash back credit cards if they are going to be shopping at the home improvement store for routine fixes.

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Other Ways To Pay For Home Improvement

If youre considering a big home renovation project, a credit card may not be your best resource, or can be a tool to use in tandem with other methods. Even if you use a credit card for the financing perks or rewards, its smart to have money saved that you can put toward your project before any interest charges kick in.

But there are other resources for home improvement to consider too, such as a non-retail home improvement loan, home equity loan or home equity line of credit. Here are more resources for financing your next home improvement:

The Home Depot Credit Card: Get $100 Discount On $1000+ Purchase

Home Depot Commercial Credit Card Approval! $25,000 No PG

December 6, 2018 |

The Home Depot Credit Card offers a $100 discount on a purchase of $1,000 or more at The Home Depot or

If you are planning on making a large purchase, this is a great way to save up to $100 at The Home Depot.

When you open your new card, you can get $25 off a purchase of $25-$299, $50 off $300-$999, or $100 off $1,000+.

In order to qualify, you must make a single-receipt purchase at The Home Depot or within 30 days of account opening.

Check out The Home Depot Credit Cards to apply for this special offer today.

There is no annual fee for The Home Depot Consumer Credit Card.

However, it does not offer any other benefits, except special financing on select purchases.

For instance, you wont earn any rebates or rewards for your purchases at The Home Depot.

You may wish to consider the Chase Freedom Unlimited Card if you want ongoing savings in the future.

If you are planning on making a large purchase at The Home Depot, check out The Home Depot Consumer Credit Card to get up to a $100 discount.

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Home Depot Credit Card Vs American Express Cash Magnet Card

The American Express Cash Magnet® card is another credit card with a $0 annual fee, and cashback rewards. With this card, youll earn 1.5% cash back on everyday purchases.

American Express cardholders also get access to American Express Offers, which are exclusive deals and discounts for shopping at partnering companies. As Lowes is a partner of American Express, you can get special offers for home improvement tools and supplies bought at Lowes with your American Express card.

The one downside of this card, however, is the high barrier to entry. Youll need good or excellent credit to be approved.

The Home Depot Consumer Credit Card

This credit card is intended to be used for everyday or frequent purchases. For payments of $299 or more, The Home Depot offers 0% interest for the entire year and additional promotions. Expand your home repair budget with this card. These are its benefits:

  • 24 months of financing on special promotions
  • One year for returns

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Features Of Home Depot Credit Card

This card is geared toward individuals who make fairly regular medium-sized purchases and can benefit from special financing.

Advertised benefits of this card are:

  • 6 months financing on purchases of $299+
  • Up to 24 months financing during special promotions
  • Special discount offers
  • 1-year no-hassle returns
  • $0 liability on unauthorized charges

Citibank also gives you the ability to see if you pre-qualify for this card without impacting your credit score.

Wells Fargo Reflect Card

Home Depot Credit Card Discount: Save Up To 50% On Home Decor &  Furniture

Card analysis

Long 0% intro APR period

The Wells Fargo Reflect® Card offers almost two years of no interest. Cardholders enjoy a 0% intro APR up to 21 months from account opening on purchases, after which a 15.24% – 27.24% variable APR applies.

If youre planning a large home improvement project and want to spread payments on the materials out over time, youd be hard-pressed to find a better card than this one.

No sign-up bonus

You wont get a sign-up bonus with this card. If thats an important factor, consider one of the two cards below instead just be aware that they have shorter 0% intro APR periods than the Wells Fargo Reflect® Card.

  • Relatively short intro APR period

Card analysis

Easy-to-earn sign-up bonus

Some credit cards require spending of $1,000 or more to earn the cards sign-up bonus, but the Chase Freedom Flex makes it significantly easier. You can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! So if you know youre going to have to spend at least that much on your home renovations, it might be a good time to apply for the Chase Freedom Flex.

Shorter 0% intro APR period

There is a 0% Intro APR on Purchases for 15 months, after which a 16.49% – 25.24% Variable APR applies. This is solid, but nowhere near as long as what the Wells Fargo Reflect® Card offers.

If you want the best of both worlds, consider the BankAmericard® credit card, detailed below.

Chase 5/24 rule

  • Higher spend target for sign-up bonus

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Us Bank Visa Platinum Card

Depending on the size and expense of your home project, a 0% APR card with a long introductory period might make more sense than a branded store card. The U.S. Bank Visa Platinum offers a 0% intro APR for the first 20 billing cycles on purchases and balance transfers, has no annual fee, and a regular variable APR of 16.24%-26.74%.

Theres a bit less risk with this card than the Home Depot Consumer Credit Card too. Any balance remaining at the end of the intro period will only begin accruing interest from that date, rather than taking on retroactive interest from your purchase date like the Home Depot cards deferred interest offer.

However, you should still pay off as much of your balance as possible and ideally all of it before the end of your introductory period to avoid being hit with the high ongoing APR. You also wont earn any special rewards or discounts with this card, but it can be a good choice to give yourself a buffer to pay down your project expenses.

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