Home Depot Consumer Credit Card review

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.

• 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.

• See more: Examples of financing promotions

  Here are a few financing promotions that have been offered for Home Depot Consumer Credit Card members. They may or may not be valid right now.

  • 12 months of special financing for appliances $299 or more.
  • 12 months of special financing for installed fencing purchases of $2,999 or more.

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

Up to 40% off appliances + instant savings

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

Last verified 23 Jun 2020

Get deal

See more promo codes

Compare rewards credit cards

{"niche":"USCCF"}

Sort by:

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Preferred® Card from American Express		$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)	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	$0 intro annual fee for the first year ($95 thereafter)		Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe	20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0		This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Flex℠		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases	$0		Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0		Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 3 months	3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)	$250		Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		100,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe	10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 15x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 15x points on flights will be capped on up to $500,000 annually (then 1x points).	$550		One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Citi Premier® Card		60,000 points after spending $4,000 in the first 3 months	3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else	$95		Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.	Apply now View details	Compare	loading Fetching your data...
American Express Cash Magnet® Card		$150 after spending $1,000 in the first 3 months	1.5% cash back on all purchases	$0		With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®		50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550		Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Card		80,000 points after spending $1,000 in the first 3 months	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$0		With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card		35,000 miles after spending $1,000 in the first 3 months	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	$0 intro annual fee for the first year ($99 thereafter)		With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees	Apply now View details	Compare	loading Fetching your data...
TD Cash Credit Card		$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0		3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi		N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	$0		An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.	Apply now View details	Compare	loading Fetching your data...
Marriott Bonvoy Brilliant™ American Express® Card		100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)	6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases	$450		Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees	Apply now View details	Compare	loading Fetching your data...
Petal® 2 "Cash Back, No Fees" Visa® Credit Card		N/A	Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments	$0		Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	$149		Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.	See offer View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card		130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$95		With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Blue American Express Card		10,000 miles after spending $500 in the first 3 months	2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases	$0		Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Visa® with Free Credit Score Access		N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99		Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® with Cash Back Rewards		N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99		Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Platinum Visa® for Rebuilding Credit		N/A	1% cash back on all purchases on eligible purchases	$0 to $99		Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Official NASCAR® Credit Card from Credit One Bank®		N/A	Up to 1% cash back on eligible purchases determined by Credit One and double cash back at the NASCAR Shop	$0 to $99		Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop.	Apply now View details	Compare	loading Fetching your data...

loading

Load More

Compare up to 4 providers

Clear selection

Compare

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.

Frequently asked questions

• Are balance transfers allowed for this card?

  Balance transfers are not allowed. This is typical for a store card.

• Does this card have a grace period on interest?

  Yes. The grace period will be at least 25 days. You’ll get one if you started the billing cycle with a zero balance.

• Are there restrictions on the one-year return policy?

  There are some restrictions on returns. Some items, such as furniture and area rugs, get only a 30-day return window. There are also restrictions on products such as major appliances and hazardous materials.

  Visit the Home Depot website to see more return-policy exceptions.