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*
on your first purchase when you open a new The Home Depot Consumer Credit Card Account through Citibank, N.A.

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.

Apply Now

Installed Roofing, Siding, & Windows Credit Offer


GET UP TO 24 MONTHS FINANCING* on any Installed roofing, siding, windows, insulation, gutters, and leaf protection. Offer valid 8/10/17-8/23/17. 

No interest if paid in full within promotional period: 12 months* on any installed roofing, siding, windows, insulation, gutter, and leaf protection purchases of $299?$998; 18 months* on any installed roofing, siding, windows, insulation, gutter, and leaf protection purchases of $999?$1,998; or 24 months* on any installed roofing, siding, windows, insulation, gutter, and leaf protection 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. Offer valid 8/10/17-8/23/17. 

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 51289, 1924, AK 25084, AZ ROC252435 & ROC092581, AR 0228160517, CA 602331, CT HIC.533772, DC 420214000109, FL CRC046858, CGC1514813, GA RBCO005730, HI CT-22120, IA C091302, ID RCE-19683, LA 557308, 43960 and 883162, MA HIC.112785, MD MHIC No. 85434, MI 2101089942 & 2101198586, MN BC147263, MS, R00304, MT 37730, NE 26085, NV 38686, NJ 13VH09277500, NM 86302, NC 31521, ND 29073, PA PA002232, OR 95843, Home Depot is a Registered Rhode Island General Contractor whose Registration Number is 9480, SC GLG110120, TN 47781, UT 286936-5501, VA 2705-068841A, WA HOMED088RH, WI 1046796 and WV WV036104. �2017 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.  

*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.

Bath Savings Credit Offer


GET 12 MONTHS SPECIAL FINANCING* on bath faucets, bath accessories, vanities, fixtures and bath install purchases of $299 or more. Offer valid 7/27/17-8/30/17.

No interest if paid in full within promotional period: 12 months* on faucets, bath accessories, vanities, fixtures and bath install 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 7/27/17-8/30/17.

*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.

Installed Sheds & Garages Credit Offer


SAVE UP TO 15% OFF
 select installed sheds from Sheds USA,  plus an additional 5% off by statement credit when you use your Home Depot Consumer Credit Card.

Offer valid on select installed Sheds USA purchased from 8/3/17-8/23/17 at participating U.S. The Home Depot� stores (a value of $107.00-$2031). 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 51289 AL 1924 AL 03010 AK 25084 AZ ROC252435 & ROC092581 AR 0228160517 CA 602331 DC 420214000109 FL CRC046858 FL EC00001440 CGC1514813 CAC1813767 CFC1426021 GA EN216765 LMP2977 GA RBCO005730 HI CT-22120 IA C091302 ID RCE-19683 LA 557308, 43960 and 883162 MA 112785 MD MHIC No. 85434 MI 2101089942& 2101198586 MN BC147263 MS, R00304 MT 37730 NE 26085 NV38686 NJ 13VH09277500 NM 86302 NC 31521 ND 29073 PA PA002232 OR 95843 OK 9190 RI 9480 SC GLG110120 TN 47781 TX TECL24447 TACLA1574C TACLB14980C M-16451 UT 286936-5501 VA 2705-068841A WA HOMED088RH WI 1046796 WV WV036104. �2017 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.

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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