Guide to the Home Depot Credit Card for 2024: Benefits, Rewards, and More

The Home Depot credit card provides up to 12 months of interest-free financing on purchases of $299 or more, ideal for large home improvement projects.

The card has no annual fee and offers extended returns, making it convenient for regular Home Depot shoppers.

Home Depot offers both consumer and business credit cards, with added perks like itemized billing and purchase tracking for businesses.

This is the standard card for individual customers, ideal for personal use, like renovating your kitchen or buying tools for home repairs.

Tailored for contractors or small business owners, this card is designed to help manage larger purchases, track expenses, and streamline tax time.

You can apply for a Home Depot credit card online through their website or ask for an application form at your local store.

You’ll need to provide basic personal information, including your name, address, and Social Security number.

The approval process is usually quick, and in many cases, you’ll know if you’ve been approved within minutes.

The business card offers itemized billing, which helps you keep track of expenses and makes tax time a little less painful.

It’s easier to track individual purchases across employees or multiple projects, giving you more control over your expenses.

The business card offers discounts at certain fuel stations, a handy perk if you’re regularly filling up work vehicles.

You can pay through the Citi website, which manages the Home Depot credit cards. Just log into your Citi Home Depot credit card account, navigate to the payment section, and follow the prompts to pay your bill. It’s quick, easy, and saves a stamp!

Prefer the old-fashioned way? You can send a check or money order to the billing address provided on your statement.

If you’re already at Home Depot, you can pay your bill at the customer service desk.

You can also call the customer service number to make a Home Depot pay credit card payment over the phone.

Visit the Citi website, sign up for online access, and create an account if you don’t already have one.

Through your account dashboard, you can monitor your card activity, check balances, and view past statements.

While Home Depot’s credit card doesn’t have a traditional rewards system, any promotions or special financing offers you’re enrolled in will be displayed here.

Unlike some store cards, the Home Depot card doesn’t offer points or cashback for purchases, which can be a downside if you’re looking for ongoing perks.

The big selling point of the Home Depot card is the special financing offers, which are ideal for big purchases. In contrast, Lowe’s card offers a similar financing deal, but with 5% off purchases upfront, which might be more appealing if you prefer instant savings.

With an APR of around 17-26%, the Home Depot card has a relatively high interest rate, so it’s best used when you can take advantage of financing offers or plan to pay off your balance each month.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 5% cash back on travel purchased through Chase Ultimate Rewards®
• 3% cash back on dining and drugstores
• 1.5% cash back on all other purchases, including Home Depot

Key Benefits:

• No Annual Fee: Maximizes net rewards without any yearly cost.
• Cash Back Rewards: Competitive flat-rate rewards across various categories.
• Flexible Redemption Options: Redeem cash back as statement credits, direct deposits, gift cards, or travel.
• Purchase Protection: Covers eligible purchases against damage or theft for up to 120 days.
• Extended Warranty: Extends the manufacturer’s warranty by an additional year on eligible items.
• Zero Liability Protection: Protects you from unauthorized purchases.

Advantages:

• Versatile Rewards Structure: Suitable for everyday spending across multiple categories, including travel and dining.
• Attractive Welcome Offer: Quickly earn a significant bonus with minimal spending.
• No Foreign Transaction Fees: Ideal for international purchases and travel.

Limitations:

• Lower Cash Back on General Purchases: Only 1.5% on non-bonus categories compared to some flat-rate cards.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
• 2% cash back at U.S. gas stations and select U.S. department stores
• 1% cash back on other purchases, including Home Depot

Key Benefits:

• No Annual Fee: Ideal for earning rewards without an annual cost.
• High Cash Back on Groceries and Gas: Aligns well with everyday spending needs, such as fuel and home improvement supplies.
• Additional Perks: Purchase Protection, Extended Warranty, Return Protection, and No Foreign Transaction Fees.
• Access to Amex Offers: Personalized deals and discounts for cardholders.

Advantages:

• Competitive Cash Back Rates: Especially on groceries and gas, which are common everyday expenses.
• Comprehensive Benefits Package: Offers valuable protections and no foreign transaction fees.

Limitations:

• Spending Caps: Higher cash back rates have annual limits.
• No Exclusive Perks: General rewards without specific benefits for particular memberships or stores.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 1.5% cash back on every purchase, including Home Depot
• Additional 5% on all purchases in the first 3 months (if eligible)

Key Benefits:

• No Annual Fee: Keeps your costs low while earning rewards.
• Simple Rewards Structure: Flat-rate cash back makes it easy to maximize rewards without tracking categories.
• Flexible Redemption: Redeem cash back as statement credits, gift cards, or direct deposits.
• No Foreign Transaction Fees: Great for international use.
• Extended Warranty and Travel Accident Insurance: Provides added protection for your purchases and travel plans.
• Access to Capital One Offers: Exclusive deals and discounts for cardholders.

Advantages:

• Simplicity: Easy-to-understand rewards without category restrictions.
• High Introductory Bonus: Quickly earn significant cash back with the welcome offer.
• Versatile Redemption Options: Multiple ways to use your cash back.

Limitations:

• Flat Cash Back Rate: Lower rewards compared to category-specific cards like the Chase Freedom Unlimited®.
• No Enhanced Rewards for Specific Categories: Same 1.5% cash back applies to all purchases.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
• 6% on select U.S. streaming subscriptions
• 3% cash back at U.S. gas stations and on transit
• 1% cash back on other purchases, including Home Depot

Key Benefits:

• High Cash Back Rates: Significant rewards on groceries, streaming, gas, and transit.
• Additional Perks: Purchase Protection, Extended Warranty, Return Protection, and No Foreign Transaction Fees.
• Flexible Redemption: Redeem cash back for statement credits, gift cards, or shopping.
• Access to Amex Offers: Personalized deals and discounts for cardholders.

Advantages:

• Generous Rewards Structure: Especially beneficial for heavy grocery shoppers and those who spend on streaming and transit.
• Comprehensive Benefits: Enhanced protections and no foreign transaction fees add value beyond rewards.

Limitations:

• Annual Fee: $95 fee may offset some rewards if not fully utilized.
• No Exclusive Perks: Similar to other general rewards cards without specific benefits for particular memberships or stores.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 3% cash back on dining and entertainment
• 2% cash back at grocery stores
• 1% cash back on all other purchases, including Home Depot

Key Benefits:

• No Annual Fee: Earn rewards without any yearly cost.
• Cash Back Categories: High rewards on dining, entertainment, and groceries.
• Additional Perks: Purchase Protection, Extended Warranty, Travel Accident Insurance, and No Foreign Transaction Fees.
• Flexible Redemption: Options to redeem cash back as statement credits, gift cards, or direct deposits.
• Access to Capital One Offers: Exclusive deals and discounts for cardholders.

Advantages:

• Enhanced Rewards on Dining and Entertainment: Ideal for those who frequently dine out or engage in entertainment activities.
• Comprehensive Benefits Package: Offers valuable protections and no foreign transaction fees.

Limitations:

• Lower Cash Back on General Purchases: Only 1% on non-category purchases.
• No Exclusive Perks: General rewards without specific benefits for particular memberships or stores.

Chase Freedom Unlimited® – Why: Offers a mix of high rewards on travel, dining, and a solid flat rate on all other purchases, including Home Depot. Ideal for diverse spending habits.

Blue Cash Preferred® Card from American Express – Why: Provides 6% cash back at U.S. supermarkets and 3% on gas, making it excellent for households with significant grocery and fuel expenses often associated with home improvement projects.

Capital One Quicksilver Cash Rewards Credit Card – Why: Flat-rate 1.5% cash back on all purchases simplifies earning rewards without tracking categories, suitable for consistent Home Depot-related spending.

Capital One SavorOne Cash Rewards Credit Card – Why: Enhanced 3% cash back on dining and entertainment, perfect for those who frequently dine out or enjoy entertainment activities during their home improvement projects or related travels.

Blue Cash Everyday® Card from American Express – Why: Offers 3% cash back at U.S. supermarkets without an annual fee, balancing rewards and cost effectively for Home Depot shoppers who spend heavily on groceries alongside home improvement supplies.

Use each card where it earns the highest cash back. For example, use the Blue Cash Preferred® Card from American Express for groceries and streaming, Chase Freedom Unlimited® for travel and dining, and Capital One Quicksilver Cash Rewards Credit Card for general Home Depot purchases.

Meet the minimum spending requirements to earn your welcome bonus, boosting your initial cash back earnings.

Pair a category-specific card with a flat-rate card to cover all spending areas efficiently. For instance, use the Blue Cash Preferred® Card from American Express for groceries and gas, and the Capital One Quicksilver Cash Rewards Credit Card for everything else, including Home Depot purchases.

Take advantage of the flexible redemption options to maximize the value of your cash back, whether through statement credits, direct deposits, or gift cards.

Head to the Home Depot website, click on the credit card section, and follow the prompts to fill out the Home Depot credit card application.

Visit your local Home Depot, and you can apply right at the customer service desk.