
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
$0
Annual fee
21.99%
Purchase APR (fixed)
670
Recommended credit score
Review by
Kevin 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 ā including credit cards, apps and budgeting software.
The The Home DepotĀ® Commercial Revolving Charge Card is most effective if youāre 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 doesnāt give you cash back or Home Depot-specific rewards. Instead, youāll receive discounts on fuel. If you can take advantage of this benefit, however, youāll receive a strong rewards rate.
You can use this account only at Home Depot. If you want a card you can use more places, youāll find plenty of other business products with impressive rewards and features.
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.
You can start enjoying the benefits of this charge card without paying an upfront fee.
To earn discounts on fuel, register at the Home Depot Card Benefits site. Youāll 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 youāll get up to a 2% rewards rate on your Home Depot spending.
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, youāll have 60 days to pay it off without accruing interest.
After you register at the Home Depot Card Benefits site, you can return products up to one year after youāve purchased them. After making your returns, youāll receive credit on your The Home DepotĀ® Commercial Revolving Charge Card.
You can make monthly payments or pay your entire balance each month. Home Depotās other commercial product require payment in full each month.
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 youāre approved, you can request more.
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.
Youāll be enrolled in Home Depotās 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.
This isnāt a normal credit card you can use everywhere. Itās a charge account thatās valid only for purchases at Home Depot.
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.
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 itās still unpaid by the next due date.
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.
To apply for the The Home DepotĀ® 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.
Youāll have better approval odds for the The Home DepotĀ® Commercial Revolving Charge Card with good to excellent credit ā 670 or higher.
Citi is the managing bank of the The Home DepotĀ® Commercial Revolving Charge Card and is not currently accredited with the Better Business Bureau (BBB). Furthermore, it has an F rating from the agency because itās failed to respond to over 70 complaints as of October 2020.
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.
Your account will be administered by Citi. On the bankās website, you can register for an account. You can pay your account balance, check itemized statements and set up automatic payments.
Visit the Home Depot Card Benefits website to set up features like your fuel discounts, 60-day payment terms and one-year return window.
After your billing cycle ends, youāll have a grace period of at least 20 days to pay off your purchases. If you do, you wonāt pay interest. If you donāt pay your balances in full, you wonāt receive a grace period. If youāre enrolled in the 60-day payment terms, review the rules and make sure you understand them.
If you have any issues with your account, call the number on the back of your card to reach Citi support.
The The Home DepotĀ® 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, theyāre make it worth it if you have to make returns or can utilize that fuel discount.
If youāre not the biggest Home Depot spender or just not sure about taking on a charge card, compare other business cards.