Consumer Credit Card

Built for Projects
big and small

Extend your budget for making everyday home repairs, updates and improvements

  • 6 Months financing* on purchases of $299 or more
  • Up to 24-Month financing* during special promotions
  • 1-Year Hassle-Free Returns***


No interest if paid in full within 6 months financing* on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% - 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details.

Exclusive Consumer Credit Card Offers

man installing window

GET UP TO 24 MONTHS FINANCING* on your first purchase when you open a new Home Depot Consumer Credit Card Account through Citibank, N.A. Offer valid 7/20/17-7/26/17. 

No interest if paid in full within promotional period: 12 months* on purchases of $299–$998; 18 months* on purchases of $999–$1,998; or 24 months* on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within the promotional period. Valid 7/20/17-7/26/17. 

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% – 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details. Only available in select stores.

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HVAC Savings Credit Offer


GET UP TO 24 MONTHS FINANCING* on any installed heating or air conditioning purchase. Offer valid 7/20/17-7/26/17.  

No interest if paid in full within promotional period: 24 months* on any installed heating or air conditioning purchases of $1,999 or more; 18 months on any installed heating or air conditioning purchases of $999-$1998; and 12 months on any installed heating or air conditioning purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within the promotional period. Offer valid 7/20/17-7/26/17.  

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% ? 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice.

Blinds, Shades and Shutters Offer


GET UP TO 24 MONTHS FINANCING* on special order and installed blinds, shades, and shutters purchases made on your Home Depot Consumer Credit Card. 

Offer valid 5/1/17-7/30/17.

No interest if paid within promotional period: 18 Months* on special order and installed blinds, shades, and shutters Purchases of $999–$1,998 or 24 Months* on special order and installed blinds, shades, and shutters Purchases of $1,999 or More. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within the promotional period. Valid 5/1/17-7/30/17.

 *With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% – 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details.

Water Treatment Offer



NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS* on any installed water treatment purchases of $299 or more through 1-800-HOMEDEPOT. Valid 2/1/17-1/31/18. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 12 months.

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% – 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice.

HVAC Offer



NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS* on any installed heating or air conditioning purchases of $299 or more through 1-800-HOMEDEPOT. Valid 2/1/17-1/31/18. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 12 months.

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% – 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice.

Shed Credit Offer

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS* on any installed roofing, siding, windows, insulation, gutter, and leaf protection purchases of $5000 or more. Valid 2/1/17-1/31/18. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 12 months. 

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% – 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice.


Looking for more consumer financing options?

Or for business check out our commercial card options

COMPARE OUR CARDS BENEFITS

Consumer credit card
project loan card

Why This Card

Extend your budget for making home repairs, updates and improvements

Why This Card

Ideal for kitchen and bath remodels, room additions, roof replacement and other large projects

6 Months Financing* on Purchases

Of $299 or more   

Loans Up to $40K

With 6 months to purchase everything for your project

Up To 24-Month Financing* During Special Promotions

On exclusive credit offers throughout the year

84 Months to Pay Off Purchases

With fixed monthly rates and the flexibility to pay off at any time

APR 17.99% - 26.99%

 Based on creditworthiness

7.99% Fixed Interest Rate

For the life of the loan

1 Year Hassle-Free Returns††

That's 4X longer to make returns, just for being a cardmember

No interest if paid in full within 6 months* on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.

*With credit approval for qualifying purchases made on The Home Depot or Expo Design Center Consumer Credit Card, 17.99%-26.99% APR. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer is only valid for consumer accounts. Minimum payments required.

**Interest only payments are required during the first 6 months and are based upon a 7.99% Annual Percentage Rate. After the first 6 months, the balance is amortized over 84 months at a 7.99% Annual Percentage Rate.

***See The Home Depot Returns Policy for details.
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