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The Home Depot® Commercial Revolving Charge Card review
This Home Depot business credit card offers benefits that are most useful to high-volume spenders.
- Get this card if your business spends heavily at Home Depot.
- Pick something else if your business spending is distributed throughout different categories.
- Apply with a good to excellent credit score of 670 or higher.
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$0
Annual fee
21.99%
Purchase APR (fixed)
670
Recommended credit score
Review by
Kevin Joey Chen
kevin.chen@findercrew.comKevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
Expert review
The The Home Depot® Commercial Revolving Charge Card is most effective if you’re a high-volume spender at Home Depot. If you are, perks like itemized purchase statements, 60-day payment terms and a one-year return window might be helpful.
The account comes with a non-traditional reward structure. Your spending doesn’t give you cash back or Home Depot-specific rewards. Instead, you’ll receive discounts on fuel. If you can take advantage of this benefit, however, you’ll receive a strong rewards rate.
You can use this account only at Home Depot. If you want a card you can use more places, you’ll find plenty of other business products with impressive rewards and features.
How to apply for the The Home Depot® Commercial Revolving Charge Card
- Go to the Home Depot website and click Apply now under the The Home Depot® Commercial Revolving Charge Card to be taken to the Citi website
- Complete the application with details like your contact and business information.
- Select account features like enrollment in the Fuel Rewards program and payment terms.
- Agree to Citi’s terms and provide an electronic signature at the bottom of the form.
- Review your details and click Submit application.
How long will it take to get my The Home Depot® Commercial Revolving Charge Card?
You may receive an instant decision on your application. If Citi needs to review your application, a representative will likely contact you within a few business days. Following approval, allow seven to 10 business days for your card to arrive in the mail.
The perks
No annual fee.
You can start enjoying the benefits of this charge card without paying an upfront fee.
Fuel discounts at up to a 2% rewards rate.
To earn discounts on fuel, register at the Home Depot Card Benefits site. You’ll receive a Fuel Rewards card you can use at participating Shell and other partner stations.
For every $100 in eligible purchases you make at Home Depot, you can save $0.10 per gallon through the Fuel Rewards program. This discount applies on up to 20 gallons of fuel per purchase, meaning you’ll get up to a 2% rewards rate on your Home Depot spending.
60-day payment terms.
Cash flow is a common business concern, and this card can help you overcome it. To activate this benefit, register at the Home Depot Card Benefits website.
After you make a qualifying Home Depot purchase, you’ll have 60 days to pay it off without accruing interest.
One-year return window.
After you register at the Home Depot Card Benefits site, you can return products up to one year after you’ve purchased them. After making your returns, you’ll receive credit on your The Home Depot® Commercial Revolving Charge Card.
Flexible payment options.
You can make monthly payments or pay your entire balance each month. Home Depot’s other commercial product require payment in full each month.
You have two options for 60-day payment terms
- Continue making your normal minimum monthly payment. Your purchase starts accruing interest at a fixed APR of 21.99% after 60 days.
- Pay your balance in full within 60 days. If you do, you won’t be assessed late fees for missing your minimum monthly payment.
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Issue cards to authorized users.
You can designate employees who are allowed to make purchases on your card account. This might allow you to make Home Depot purchases more efficiently.
When you apply, you can request up to four additional cards. Once you’re approved, you can request more.
Account management options.
Receive itemized billing statements that list purchases by SKU. You can also track purchases by job name, job number or PO number.
You can log in to your Home Depot card account to check your account balance and pay your bill.
Complimentary Pro Xtra Membership.
You’ll be enrolled in Home Depot’s Pro Xtra membership, which offers benefits like paint rewards, volume discounts, purchase tracking and reloadable purchase cards. Pro Xtra membership is free and open to everyone.
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What to watch out for
Valid only at Home Depot.
This isn’t a normal credit card you can use everywhere. It’s a charge account that’s valid only for purchases at Home Depot.
Relatively high purchase APR.
The average credit card APR is around 16% variable. Your purchase APR for this card will be 21.99% fixed, or 15% fixed if your billing address is in Georgia or North Carolina when you open your account.
Default APR.
You may receive a default APR of 26.99% fixed on your purchases if you fail to make the minimum payment by the due date and it’s still unpaid by the next due date.
Who is the The Home Depot® Commercial Revolving Charge Card good for?
This card is ideal for a business that spends heavily at Home Depot, and plan to pay the balance off in 60 days. Features that might be especially helpful include a one-year return window, 60-day payment terms and itemized billing statements. Businesses in construction, home improvements and installations could benefit from this card.
What should I know before I apply?
To apply for the The Home Depot® Commercial Revolving Charge Card, you must plan to use it for business or commercial reasons, be at least 18 years old, or 21 if you live in Puerto Rico.
Required information
- The legal name of your business.
- Your business contact information.
- Your billing contact name, email address and billing address.
- Your business’ organization type, legal structure and tax ID number.
- Your business’ number of employees and year of founding.
- Your business’ annual revenue, monthly purchase volume and requested credit line.
- Your personal information such as your contact details, Social Security number and date of birth.
What credit score do I need?
You’ll have better approval odds for the The Home Depot® Commercial Revolving Charge Card with good to excellent credit — 670 or higher.
The Home Depot® Commercial Revolving Charge Card reviews and complaints.
Citi is the managing bank of the The Home Depot® Commercial Revolving Charge Card and is not accredited with the Better Business Bureau (BBB). Furthermore, it has an F rating from the agency because it’s failed to respond to over 70 complaints as of August 2021.
In total, Citi has almost 4,000 customer complaints. Many complaint details are unavailable; the BBB hides customer feedback after a business answers or resolves a query.
I got the card. Now what?
Set up an online account.
Your account will be administered by Citi. On the bank’s website, you can register for an account. You can pay your account balance, check itemized statements and set up automatic payments.
Register for card benefits.
Visit the Home Depot Card Benefits website to set up features like your fuel discounts, 60-day payment terms and one-year return window.
Avoid interest.
After your billing cycle ends, you’ll have a grace period of at least 20 days to pay off your purchases. If you do, you won’t pay interest. If you don’t pay your balances in full, you won’t receive a grace period. If you’re enrolled in the 60-day payment terms, review the rules and make sure you understand them.
Contact customer support.
If you have any issues with your account, call the number on the back of your card to reach Citi support.
Bottom line
The The Home Depot® Commercial Revolving Charge Card is good if your business depends on frequent purchases from Home Depot. Though its rewards are less straightforward than you might like, they’re make it worth it if you have to make returns or can utilize that fuel discount.
If you’re not the biggest Home Depot spender or just not sure about taking on a charge card, compare other business cards.