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Home Depot Consumer Credit Card review

Get deferred interest on purchases $299 or more.

  • Get this card if you periodically make large Home Depot purchases, or you want long return windows for your items.
  • Pick something else if you want rewards or a card that can be used at a variety of merchants.
  • You may qualify with fair credit. However, you’ll have much better odds with a good to excellent credit score of 670 and above.
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Kevin Joey Chen
Last Updated

$25

Welcome offer

$0

Annual fee

17.99%, 21.99%, 25.99%, or 26.99%

Purchase APR (fixed)

670

Recommended credit score

Details

Annual fee$0
Welcome Offer$25 off your purchase of $25-$299, $50 off your purchase of $300-$999 or $100 off single purchase of $1,000 or more in first 30 days
RewardsN/A
Purchase APR17.99%, 21.99%, 25.99%, or 26.99% fixed
Balance transfer APRN/A
Recommended minimum credit score670
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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 — including credit cards, apps and budgeting software.

Expert review

The Home Depot Consumer Credit Card is great for two reasons:

  • If you periodically make large purchases from the retailer, the deferred-interest benefit can help you pay off your items responsibly.
  • If you usually need a long time to decide whether to keep your Home Depot purchases, you’ll love the card’s one-year return feature.

Note this card doesn’t offer rewards, which is unusual for a store card. If you want a rewards card, consider a top-rated no-annual-fee cashback credit card.

Where can I use my Home Depot Consumer Credit Card?

You can use this card at The Home Depot or EXPO Design Center. Because it’s not backed by a major card network like Visa or Mastercard, you can’t use it with outside merchants.

The perks

  • No annual fee.
    This makes it easier to keep the card long-term, even if you only use it occasionally.
  • Signup bonus.
    $25 to $100 discount on an eligible purchase. You’ll receive a discount on your next eligible purchase within 30 days of account opening. You’ll receive a $25 discount if the purchase is $25 to $999, $50 off if the purchase is $300-$999, or a $100 discount if the purchase is $1,000 or more.
  • Special financing.
    With this Home Depot credit card, you pay no interest on purchases of $299 or more if you pay them off within six months.

Heads up: Be careful with special financing

The card’s six-month financing is called deferred interest. If you don’t pay off your entire balance by the time your deferred-interest period is up, you’ll accrue interest from the day you made the purchase.

Here’s an example

Let’s say you make a $350 purchase with your Home Depot Consumer Credit Card. Right before your six-month financing deal is up, you pay back $349 of that purchase.

Because you haven’t paid off the entire balance, six months of interest will be added to it. This is bad news, considering the card’s normal purchase APR can stretch as high as 26.99% variable.

  • 1 year to make returns.
    You’ll have a return window of 365 days on most purchases, instead of their usual 90-day return policy.

You’ll also like…

  • Periodic financing promotions.
    Home Depot will periodically offer special financing on certain items. According to Home Depot, you could receive special financing for up to 24 months during select promotions. This means you can use your Home Depot credit card and pay no interest if you pay in full before the special financing period is up.

What to watch out for

  • No rewards.
    This card offers no rewards, unlike most store cards that offer some form of rewards typically redeemable for discount certificates.
  • Valid only at The Home Depot and EXPO Design Center.
    This isn’t a general credit card you can use at a variety of merchants.

Save more at Home Depot

Home Depot is known to offer the biggest discounts during three-day weekend holidays like Memorial Day and Labor Day, when homeowners have some extra time to tackle DIY projects. Black Friday and Cyber Monday also usually bring deep discounts on home appliances, holiday decor and more. No matter what time of the year you’re shopping, see if you can snag a coupon to save even more.

Home Depot
Deal

Up to 40% off appliances + instant savings

Instantly save up to $600 when you buy 6+ appliances. T&Cs apply.
Get deal

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Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Apply now
View details
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Apply now
View details
TD Double Up℠ Credit Card
TD Double Up℠ Credit Card
$75 cash back in the form of a statement credit when you spend $500 within the first 90 days after account opening
Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account
$0
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Apply now
View details
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Bottom line

If you’re looking for a Home Depot Consumer Credit Card with no interest on purchases made at the store, this card may be the right choice. However, if you’re looking for rewards try a cashback credit card.

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