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.
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Home Depot Consumer Credit Card review
Last updated:
Get deferred interest on purchases $299 or more.
The information about Home Depot Consumer Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.- 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.
$0
Annual fee
17.99%, 21.99%, 25.99%, or 26.99%
Purchase APR (fixed)
670
Recommended credit score
Details
| Product Name | Home Depot Consumer Credit Card |
|---|---|
| Annual fee | $0 |
| Purchase APR | 17.99%, 21.99%, 25.99%, or 26.99% fixed |
| Balance transfer APR | N/A |
| Foreign transaction fee | None |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $39 |
Expert review
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, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- 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 no-annual-fee cashback credit card.
Another intro APR card
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, and a $100 discount if the purchase is $1,000 or more.This bonus ends on January 29, 2020.
- Special financing on purchases of $299 or more.You won’t incur any interest on purchases $299 or more if you pay it 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.
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.
Up to 35% off select Dewalt Pro tools at The Home Depot Black Friday & Cyber Week sale. Restrictions apply, see site for more details Last verified
Deal ends
Home Depot
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Bottom line
The Home Depot Consumer Credit Card can be a helpful product for the right customer. However, if you’re looking for rewards try a cashback credit card.