The Home Depot® Credit Card
With low monthly payments and no annual fee, The Home Depot Consumer Credit Card is a great financial tool to get you started on your home improvement projects. Flexible payment plans and special deferred payment promotions make it even better.
- No payments, no interest for six months2 on all purchases of $299 or more - This great offer applies to every purchase of $299 or more, everyday.
- Deferred Payment Promotions - You may be eligible for other special offers throughout the year, such as no payments, no interest on purchases of $299 or more. See store for details.
- View, Manage, and Pay Your Account at myhomedepotaccount.com - Enjoy the convenience of free and secure online account management. You can view current activity, make online payments, access 12 months of statement history, and contact Customer Service all from your own computer.
- Accepted at The Home Depot, EXPO Design Center, The Home Depot Landscape Supply, and more - Enjoy the flexibility of card acceptance at all these The Home Depot companies.
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This Store offer is issued by Citibank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 21.00%* (Variable)*.
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 615 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Citibank product.
The grace period listed for The Home Depot® Credit Card is at least 23 days*. So interest charges will not be applied for new purchases during this time.
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.
There were 8 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 63% of those applicants were approved.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 615, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Based on community reviews, we found that 80% of 15 users recommend this card.