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How To Qualify For Home Depot Credit Card

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Getting A Lowes Credit Card

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

In contrast, the Lowes Advantage Card offers more rewards than the Home Depot Consumer Credit Card. Like the Home Depot Card, the Lowes Advantages Card is easy to apply for, and only requires fair credit. Most customers will be approved on the same day, and they can find out if they pre-qualify by visiting Lowes website.

As with the Home Depot card, the Lowes Advantage Card is a good choice for people who frequently shop at Lowes especially if they are planning to take on a big project. The introductory percentage rate and rewards system may make it a good bet for anyone who knows that they will be spending a lot on home improvement projects.

Home Depot Vs Lowe’s Credit Card: Which One Is Right For You

Home Depot and Lowe’s are popular with both novice homeowners completing small projects and contractors working on larger jobs. The two home improvement retailers each have branded store cards with different perks, benefits, and special financing offers that could help you save money.

If you don’t prefer either store, this Home Depot vs. Lowe’s Credit Card comparison can help you choose which card is best for you and your wallet.

Balance Transfer Fee

The Home Depot Consumer Credit Card helps your budget go further on your next home improvement upgrade or repair. This store credit card is offered through Citi, with card approval and special financing offers subject to creditworthiness. To be approved for the card, you should have fair or better credit. Also, paying your bills in full each month means you won’t pay interest. If you qualify for a special financing promotion, you can enjoy an extended 0% interest period to pay off larger purchases.


  • Perks: 1 full year return policy .

  • Everyday financing: 6 months no interest on purchases of $299 or more if paid in full within 6 months.

  • Special financing: Up to 24 months on special promotions with minimum purchase requirements.

Intro BonusRecommended CreditReward Rates

  • 3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
  • 2X Points at Lowe’s.
  • 1X Points on other purchases.

Annual FeeIntro Purchase APR


You Can Enjoy Exclusive Offers And An Extended Return Period

If youre a frequent Home Depot shopper, then you can take advantage of the fact that hassle-free returns are offered for one year with the card. This is four times longer than the usual return period for Home Depot purchases. Cardholders can also enjoy exclusive offers, such as a 10% Home Depot discount on a particular brand for a limited period, or 24-month funding offers during special promotions.

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How To Apply For Home Depot Credit Card

Although you can apply for a Home Depot card in stores, the easier way is to visit their website. Assuming you meet the credit requirements stated above, Home Depots credit issuer, Citibank, will issue a card within 10 days.

Follow these directions for how to correctly apply for a Home Depot credit card so that you can improve your chances of getting approved:

  • Visit the Home Depots online credit center and find the Home Depot consumer credit card offer.
  • Fill out the online application. Provide your full name, email address, street address, phone number, financial information, Social Security number and date of birth.
  • Read the account terms and details, and then check the agreement box.
  • Once approved, youll get an online confirmation noting your credit limit.
  • Take the confirmation to your nearest Home Depot store to receive your temporary card information and a $25 coupon to use for a Home Depot purchase of $25 or more. The coupon is good for 30 days.

Home Depot Credit Card Rewards Apply Now [Save up to $100]

There are not rewards associated with the Home Depot credit card. You will, if you shop at Home Depot, receive discounts in the mail at several points throughout the year, be notified of sales and have the same options to purchase as other people, but you will not be offered any rewards. There is no reward program and no special discounts available for Home Depot card holders. However, if you also have a Lowes credit card, the Home Depot will match Lowes 5% discount if you show the Lowes card when you make your purchase. Thats about it as far as rewards and discounts go, however.

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How Do You Check The Status Of Your Application

After finishing the application process, you may need to track the applications progress and keep a close check on the applications status. To track your Home Depot credit card application status, you can use Citis online tool or contact 866-875-5488 and select 1 for English.

You then follow by 2 option for other cards. However, you will get requested for your application ID, zip code, phone number, birthday, and Social Security number to confirm your identity.

Perks Of A Home Depot Card

The Home Depot credit card comes with 6-month interest-free financing for purchases worth more than $299. The card also provides the customers with exclusive merchandise discounts on seasonal and big-ticket purchases.

For example, the cardholders are eligible for a 25% discount on snow-blowers in the snow season. You will also get a $25 flat discount on your first purchase.

As an added benefit, the cardholders enjoy a 1-year return period on all products bought using the card. This is four times the return period that other Home Depot customers get.

The financial deals for cardholders keep changing every few months. Home Depot cards can get you 10% off on some brands or up to 24-months financing as part of special promotions.

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How To Use A Home Depot Business Account To Boost Your Credit

By Joe Lawrence

To build credit, companies need to establish tradelines with creditors that report to the business credit bureaus. Otherwise, their credit scores will stagnate and the opportunity to qualify for more substantial future loans will remain out of reach.

When building business credit, the more companies that you obtain tradelines from, the better . And, if at least one of these companies reports to all three business credit bureaus, great! So, learn how a Home Depot business account can help.

Home Depot Financing Options: 6 Ways To Pay

I was just approved for a Home Depot Business Credit Card | Net30 Account

Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.

Whether youre shopping for a home renovation or you just want to spruce up your garden, you have a variety of options for financing your Home Depot purchase. The store offers two options: the co-branded Home Depot Consumer Credit Card and Home Depot Project Loan, but you can also tap traditional payment options, like a zero-interest credit card or a personal loan.

If youre planning a home improvement project, read on for six Home Depot financing options.

In this article, well explore these financing options:

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What Can I Buy With Home Depot Financing

Home Depots branded financing options can only be used to pay for purchases made at Home Depot. Unlike general-use credit cards, store-branded credit cards can typically only be used at the issuing retailer. So of course, you could not use a Home Depot credit card to make a purchase at Lowes. If you think youll need to finance purchases from other stores, it could be worth considering alternative financing options, such as a 0% interest credit card or a personal loan.

The Home Depot Consumer Credit Card Review: Should You Apply In 2022

If you have been to The Home Depot in 2022, you probably have noticed signs for The Home Depot Consumer Credit Card.

The in-house credit card touts interest-free payment plans and potential discounts on select purchases. But theres a catch!

Money expert Clark Howard says there are risks with store credit cards like these that you may not be aware of. In this article, Im going to detail the risks as well as the pros and cons of this card.

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What Is The Process For The Online Application For Home Depot Credit Card

You can apply for this card at the comfort of your smartphone using the online method. You need to

  • Open your browser and go to Home Depots online credit center website and look for the Home Depot consumer credit card offer.
  • Fill out your full name, contact information, address, financial information, identification, and date of birth on the application form. Afterward, read the terms and conditions of the account carefully and then tick the agreement box.

After approval, youll receive an online confirmation with information about your credit limit. You can print this confirmation letter and submit it to your nearest Home Depot store to have your temporary card information and a coupon worth $25 eligible for your purchases of $25 or more valid for 30 days.

Terms And Conditions Of The Home Depot Credit Card

The Best Co

The Home Depot card offers APRs of 17.99%, 21.99%, 25.99%, or 26.99%, based on creditworthiness. The card comes with the standard 25 grace period and late payment fees can be up to $40.

Other than the special offers, dont expect any perks like rewards points or cash back with this card. If you use a credit card responsibly, a card that offers cash back or rewards points might be a better option than a store card unless the promotional offers are appealing to you. The Home Depot Project Loan Card is more similar to a line of credit. It doesn’t offer any perks or rewards, but you can borrow up to $55,000 for home projects and renovations.

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How To Check Home Depot Credit Card Application Status

Citibank issues the Home Depot Credit Card as an in-house store credit card that helps you in furnishing your home, especially when working on multiple projects and you want to renovate your home. However, when looking for a home depot credit card application, you have to bear in mind that this card does not reflect a Visa or Mastercard logo. Interestingly, you can apply for a credit card using an online or offline method.

Moreover, this card is suitable for individuals who conduct fairly regular medium-sized purchases. You can only utilize it strictly for purchases at your local Home Depot store or via the retailers app and website. Besides, for instant credit card approval and use, the application process is fast, and access to credit for qualified applicants instantaneous. Most credit card reviews indicate that a fair credit score is required to be eligible for the card.

Notably, this card provides no interest or low-interest financing options on select purchases. It comes with card-specific perks, including a first-time purchase discount and an extended returns policy. On the other hand, the downside is that the card lacks cash-back rewards compared to other credit cards. You might also encounter a high APR, especially if you miss a payment. Otherwise, tracking your credit card application status is easy either online or through your mobile.

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

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

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.

What Type Of Business Accounts And Credit Cards Does Home Depot Offer

No Credit Check Business Credit Card from Home Depot Canada | No impact to credit score | No Docs.

Home Depot offers what they call commercial cards through Citibank. Two different types of accounts are offered. Learn more about each of them below.

Home Depot Commercial Account

With a Home Depot Commercial Account, which is a net 30 vendor account, you will need to pay your balance in full each month. Authorized users can be given buyer IDs, enabling employees to charge on your account.

Optimize your business cash flow with the ability to itemize invoices. This card is easier to qualify for.

Home Depot Commercial Revolving Charge

With a Home Depot Revolving Charge card, you can either make low monthly payments or pay in full each month. In addition, you can add authorized employees as users to make purchases on your account. This Commercial Credit Card is a little more difficult to qualify for than the Commercial Account above.

Both tradelines report payment history to all three business credit bureaus.

  • Dun & Bradstreet
  • Equifax Small Business
  • Experian Small Business
  • In addition, these cards offer users one-year returns, fuel discounts at Shell, and up to 60-day terms on revolving accounts.

    Here is a quick audio that summarizes the credit building options available with Home Depot and tips for how to apply.

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    Home Depot Offers A Separate Card For Bigger Projects

    Home Depot also offers the Home Depot Project Loan Card, which allows cardholders to borrow up to $55,000 for big improvement projects at a relatively low APR for up to 84 months .

    It’s designed to finance major projects such as kitchen or bathroom remodels and could appeal to consumers who don’t have access to lower-APR loans elsewhere, such as a home equity loan.

    Home Depot Commercial Revolving Charge Card

    Whereas the Consumer Credit Card and Project Loan Card are primarily for typical consumers, the Home Depot Commercial Revolving Charge Card caters more to businesses and professionals. Though it is called a charge card, it functions a little differently next to other regular charge cards.

    Unlike most charge cards, Home Depots Commercial Revolving Charge Card allows you to make payments in increments. On the other hand, the Home Depot Commercial Revolving Charge Card also incurs an APR if you take extra time to pay off your balance.

    An additional perk to the Home Depot Commercial Revolving Charge Card is its basic fuel rewards program. Cardholders can benefit from savings of $0.10 per gallon when they fuel up at select gas stations. This is for every $100 that cardholders spend on Home Depot purchases.

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    What Could Be Improved

    Despite its perks, The Home Depot Consumer Credit Card also has a few big flaws that hurt its value.

    No rewards

    The Home Depot Consumer Credit Card doesn’t earn rewards points, cash back, or any other type of rewards on your purchases. This is a significant disadvantage compared to the best credit cards, and even compared to other store credit cards.

    Some store cards earn cash back on purchases. Many others earn rewards points that can be redeemed for a gift card. Rewards like these are a nice way to get something of value on your spending and can help make store credit cards worth it. Because this Home Depot credit card doesn’t offer rewards, the only reason to use it is for its financing offers.

    Can only be used at The Home Depot

    This is a closed-loop store credit card, which is one of the major differences between most store cards and traditional credit cards. “Closed loop” means a card can only be used with the retailer that issued it — in this case, at The Home Depot stores and on The Home Depot website.

    Quite a few store credit cards are like this, but it’s still a notable drawback. You’re very limited in terms of where you can use a Home Depot card, and it’s usually better to have a credit card you can use anywhere you want.

    Deferred interest financing

    As explained earlier, the financing you get from The Home Depot Consumer Credit Card is deferred interest. While that can help you avoid interest, it’s important to fully understand how deferred interest works.

    Getting A Home Depot Credit Card

    Home Depot offers one non-commercial credit card called the Home Depot Consumer Credit Card. Offered through Citi, this card is available for customers with fair credit ratings. It is a great choice for anyone who shops frequently at Home Depot.

    Home Depot conducts a soft credit check, which allows applicants to see if they may qualify for the card without damaging their credit score. Consumers can apply for the card online or in-store, with the potential for approval by the end of the day.

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