Home Depot Credit Card review (2022)

Nov 16, 2023

The Home Depot credit card is issued by Citibank. This online bank offers this card exclusively to customers at The Home Depots. The Home Depot credit card rewards loyal shoppers with exclusive deals and cashback rewards.

Home Depot Credit Card Interest Rates

The purchase APR for the home depot credit card ranges from a low of 17.99% up to 26.99%. Cash advance APR is 25.74% on purchases and balance transfers, while your penalty APRs are 29.99% on both cash advances and overdrafts. These interest rates may be reduced depending on what other cards you have in your wallet and your personal qualifications, such as income or credit rating.

Home Depot Credit Card Fees

There is a $0 annual fee for the Home Depot credit card. Additional benefits include online 24/7 account access, bill pay and reporting options, as well as customer care support offered seven days a week via phone or chat. Balance transfers cost 3% of the total amount transferred with a minimum charge of $5, while cash advances cost 5%. Late payments can attract late fees up to $38 each time they happen and interest rate hikes (penalty APR). Returned payments also carry penalties up to $38 and will affect your credit score further. Thankfully, there is no over-limit fee for this card.

Credit Limits & Credit Lines

The home depot credit card has standard limits on its credit lines, offering approved customers credit lines of up to $55,000. However, it is possible to improve your limits by applying for the card.

Home Depot Credit Card Features

The Home Depot Mastercard is an exclusive store card that provides shoppers with several rewards and benefits that help you save money on home improvements. The online account access mentioned earlier allows you to track everything about your account in one place, including payments, statements, transactions and more. If there are any problems, you can contact me via phone or email.

Cashback Rewards

The Home Depot credit card does not offer any cashback rewards. However, there are certain discounts and initial credits for the purchase. If you purchase above $299 within 6 months, you will get a zero interest rate.

Special Deals

Every year customers who spend at least $5,000 with their home depot credit card get access to special deals such as 24/7 priority service and free account alerts.

Concierge Service

You also get concierge service that provides you with personal assistance in several areas of your life, such as travel, dining, and entertainment. Use this second line of defense when making major purchases to ensure that everything goes smoothly.

Shopping Safety:

Since the Home Depot credit card is linked to your home depot account, all that sensitive financial information is safe and secure. Your Home Depot account information is protected with multi-level security software (SSL), and you can check your transactions in real-time.


  • The Home Depot credit card provides refunds on purchases for 1 year.
  • It comes with a $0 annual fee, bill payment options, free 24/7 access to your account through the website, email or phone support.
  • There is no over-limit fee for this card.
  • Welcome offer with $25-$100 off for first purchase


  • Rewards are only available at The Home Depot stores and not anywhere else.
  • Cash advance APR cannot be lower than purchase APR so customers will be charged.

Our Rating

The Home Depot credit card is a great way to save money on all your future home improvement projects. It's definitely worth signing up for with no annual fee, low rates, early application discounts, and special deals for loyal customers. The 5% cashback rewards are an added bonus with no restrictions or limits.

Home Depot Mastercard Credit Card

If you're looking to experience the perks offered by the Home Depot Mastercard and Visa, consider applying for the Home Depot Mastercard Credit Card instead. This credit card has virtually everything you will find in the Visa, including terms and conditions, minimum payments, interest rates and late fees. The key difference between these two cards is that you can only use your Home Depot Mastercard at Home Depot stores. In contrast, your Home Depot Visa can be used anywhere that accepts visa credit cards. You also get double rewards points when using this payment option (in-store purchases only).


We hope this review of the Home Depot Credit Card has been helpful. If you have any questions, please leave a comment below, and we'll get back to you as soon as possible!

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