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

SPECIAL FINANCING EVERY DAY

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.

Apply Now

Appliances Credit Offer image


GET 12 MONTHS  SPECIAL FINANCING* on appliance purchases of $299 or more. Offer valid 6/22/17-6/28/17.

*With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. Not available on The Home Depot Home Improver Card. Terms and conditions apply.

Save up to 15% off Sheds & Garages until 7/12/17 offer.


SAVE UP TO 155 OFF sheds and garages by Tuff Shed. Plus, get an additional 5% off by statement credit when you use your Home Depot Consumer Credit Card.* Excludes all displays and Keystone Series Sheds. Offer valid 6/22/17-7/12/17.

Offer valid on select installed sheds purchased from 6/22/2017 through7/12/2017 at participating U.S. The Home Depot® stores (a value of $55.95–$3385). Amount is based on the base building price (exclusive of options, upgrades, taxes, shipping and display models). Limit one per household. Offer not valid on prior purchases, clearance merchandise, purchases of gift cards or certificates, and may not be combined with any other offer or special incentive program, except current credit promotion(s). Services may not be available in all areas. Home Depot local Service Providers are background checked, insured, licensed and/or registered. License or registration numbers held by or on behalf of Home Depot U.S.A., Inc. are available at homedepot.com/licensenumbers or at the Special Services Desk in The Home Depot store. State specific licensing information includes: AL 03010, AK 25084, AZ ROC252435 ROC092581, CA 602331, FL EC00001440, CGC1514813, CAC1813767, CFC1426021, GA EN216765, CT22120, LMP2977, MA 112785, MI 2101089942, NV 38686, OK 9190, OR 95843, RI 9480, TX TECL24447, TACLA1574C , TACLB14980C M-16451, WA HOMED088RH, WV WV036104. ©2016 Home Depot Product Authority, LLC. See sales associate for full list of product exclusions and other restrictions that may apply or call 1-800-HOMEDEPOT. Void where prohibited.

*Offer subject to credit approval and valid from 6/22/17 through 7/12/17. This offer is valid and redeemable for an additional 5% discount by statement credit on a single receipt purchase at The Home Depot® retail stores when made with The Home Depot or EXPO Design Center Consumer Credit Card. Not available on The Home Depot Home Improver Card or homedepot.com. Valid in the U.S., U.S.V.I., Puerto Rico, and Guam. Limit one 5% credit per account during the promotional period. Cash value 1/20th of 1 cent. May take 1-2 billing cycles for credit to appear with a qualifying purchase. To receive the credit, your account must be open and in good standing. May not be used to satisfy any minimum payment due on your account. Coupon not valid on prior purchases and may not combine with any other credit offer or discount. © 2017 Citibank, N.A.

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.

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.

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.

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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