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Credit Card Services

FIND THE RIGHT CARD FOR YOU
Consumer Credit Card Consumer Credit Card

Project Loan

Commercial Revolving Charge Card

Commercial Account

SAVE UP TO $100 TODAY* on your qualifying purchase when you open a new card. Not combinable with other discounts. Valid 1/30–7/29/2020.
Consumer Credit Card

Consumer Credit Card
Consumer Credit Card Offers
6-MONTH EVERYDAY FINANCING AVAILABLE* ON PURCHASES OF $299 OR MORE
horizontal line No Interest if Paid in Full Within 24 Months* on RainSoft Installed Water Treatment purchases of $600 or more.

Valid 5/7/20-5/31/20.

  • *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 24 months. Valid 5/7-5/31/20.
  • *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.
  • Offers are not valid on prior purchases and may not be combined with any other offer. Offer valid only on in-home sales contracts signed between 5/7-5/31/20, and installations completed and paid in full by 6/15/20. Offer cannot be combined with any other manufacturer rebate or financing offer. This program subject to change at any time. Offer not valid in all areas. Call 1-800-HOMEDEPOT (466-3337) for details. All sales must be to homeowners in the United States. Void where prohibited. Service 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/license numbers or at the Special Services Desk in The Home Depot store. State specific licensing information includes: AL MPG-4348; AK 25084; AR 228160518, MP6616; AZ ROC252435, ROC092581; CA 602331; CT HIC.533772, PLM.0288547-P1; DC 420214000109, DPM1070; DE PL-0002473; FL CRC046858, CGC1514813, CFC142601; GA GCCO005540; HI CT-22120; ID RCE-19683; IL 058-169244; IN PL11700034; LA 557308, 883162, LMP 6987; MD 85434, 42144, 11589; MA 112785, 9875; ME MS90016544; MI 2101089942, 2102119069; MN BC147263, PC147263, PM093715, PM093716; MT PLU-PM-LIC-13784; NC 33747; ND 1634, 1636, 1638; NH 4324, GFE0802907; NM 86302; NV 38686; NJ 13VH09277500; OH 46992; OK 91910, 106339; OR 95843; The Home Depot U.S.A., Inc. is a Registered General Contractor in Rhode Island and its Registration Number is 9480; SC GLG.110120, M-104779; SD Wal-MDR1104-16-1963-C, FLM-TX-R1108-16-1965C; TN 47781, 3899, 3877; TX M-16451; VA 2705-068841; VT PM04663; WA HOMED088RH, WASHICR849P6; and WV WV036104.
  • Not available on The Home Depot Home Improver Card. ©2020 Home Depot Product Authority, LLC. All rights reserved.
horizontal rule No Interest if Paid in Full Within 24 Months* on EcoWater Installed Water Treatment purchases of $600 or more.

Valid 4/16/20-5/31/20.

  • *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 24 months. Valid 4/16-5/31/20.
  • *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.
  • Offers are not valid on prior purchases and may not be combined with any other offer. Offer valid only on in-home sales contracts signed between 4/16-5/31/20, and installations completed and paid in full by 6/15/20. Offer cannot be combined with any other manufacturer rebate or financing offer. This program subject to change at any time. Offer not valid in all areas. Call 1-800-HOMEDEPOT (466-3337) for details. All sales must be to homeowners in the United States. Void where prohibited. Service 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/license numbers or at the Special Services Desk in The Home Depot store. State specific licensing information includes: AL MPG-4348; AK 25084; AR 228160518, MP6616; AZ ROC252435, ROC092581; CA 602331; CT HIC.533772, PLM.0288547-P1; DC 420214000109, DPM1070; DE PL-0002473; FL CRC046858, CGC1514813, CFC142601; GA GCCO005540; HI CT-22120; ID RCE-19683; IL 058-169244; IN PL11700034; LA 557308, 883162, LMP 6987; MD 85434, 42144, 11589; MA 112785, 9875; ME MS90016544; MI 2101089942, 2102119069; MN BC147263, PC147263, PM093715, PM093716; MT PLU-PM-LIC-13784; NC 33747; ND 1634, 1636, 1638; NH 4324, GFE0802907; NM 86302; NV 38686; NJ 13VH09277500; OH 46992; OK 91910, 106339; OR 95843; The Home Depot U.S.A., Inc. is a Registered General Contractor in Rhode Island and its Registration Number is 9480; SC GLG.110120, M-104779; SD Wal-MDR1104-16-1963-C, FLM-TX-R1108-16-1965C; TN 47781, 3899, 3877; TX M-16451; VA 2705-068841; VT PM04663; WA HOMED088RH, WASHICR849P6; and WV WV036104.
  • Not available on The Home Depot Home Improver Card. ©2020 Home Depot Product Authority, LLC. All rights reserved.
Rule 12 Months Financing* on Appliance Purchases of $299 or more

Valid 5/14/20-6/3/20.

  • *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. Ask an Associate for details.
Rule 12 Months Financing on Storewide Purchases of $499 or more*

Valid 5/19/20-6/17/20.

  • *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. Ask an Associate for details.
Rule 12 months financing on any Installed Heating and Air Conditioning purchase of $299 or more*

Valid 1/30/20-1/27/21.

  • DISCLOSURE: *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. Ask an Associate for details.
Project Loan

Project Loan Card
Project Loan Payment Chart Example

*Period begins at approval.

**See loan agreement for further details.

***Loan product has four tiers with Term and APR subject to qualifying credit approval: 66 monthly payments at 7.42% APR; 78 monthly payments at 12.86% APR; 90 monthly payments at 16.24% APR; or 114 monthly payments at 19.96% APR. Monthly payments will not exceed $20 per $1000 spent (e.g., $160 per month for an $8000 purchase). APR fixed for the life of the loan. No down payment. Not valid in Puerto Rico, USVI, and Guam. NMLS #1416362.

Commercial Credit Card Introduction
Commercial Revolving Charge Card

Commercial Revolving Charge Card
Commercial Account

Commercial Credit Card
Commercial Credit Card Offers

IN-STORE ONLY: GET THE CARD, SAVE UP TO $100 TODAY†

Get the card, save up to $100 today on your qualifying purchase when you open a new The Home Depot Commercial Revolving Charge or The Home Depot Commercial Account. Coupon cannot be combined with other discounts. Get $25 off your first purchase of $25–$299, $50 off your first purchase of $300–$999 OR $100 off your first purchase of $1000 or more.†

  • Valid 1/30/20–7/29/20.
  • †In store only. Offer is for new accounts, is subject to credit approval and valid 1/30–7/29/2020. This offer is redeemable for $25 off your purchase of $25–$299, $50 off your purchase of $300–$999 or $100 off your purchase of $1,000 or more on a single receipt within 30 days of your account open date at The Home Depot® retail stores or homedepot.com when made with your The Home Depot Consumer Credit Card, The Home Depot Home Improver Card, The Home Depot Commercial Revolving Charge or The Home Depot Commercial Account. Valid in the US, USVI, Puerto Rico and Guam. Offer does not apply to prior purchases, The Home Depot Gift Cards or Certificates, third party gift cards, installation products or services purchased in home, Tool Rental or to Weber®, Bona®, Simplehuman®, Dacor®, Viking®, Fisher & Paykel®, Sharp Insight™, Delonghi®, Buckhaven, Lynx®, Alfresco™, OCI, Marvel®, Bertazzoni, Aga, Vent-A-Hood®, Samsung Chef Collection, Bosch Benchmark® Series, Liebherr, Zephyr, Miele, Signature Kitchen Suite, Jenn-Air®, Thermador®, Jeld-win Door Systems, Monogram products and trade styles. May not be combined with other discounts; ask a Store Associate for details.
The Home Depot Commercial and Consumer Credit Card Services

For consumers and pros alike, Home Depot offers convenient, affordable, credit card options to extend their purchasing power as well as manage and pay their account. Our Home Depot Consumer Credit card provides you with special financing on purchases of $299 or more*, and up to 24-month financing* during special promotions. It’s perfect for everyday needs like appliances, lighting and fans, paint, tools, lawn and garden maintenance products, and an endless variety of home improvement projects. You can also take advantage of exclusive, Home Depot Consumer Credit Card offers, just for being a cardholder.


If you’re tackling a larger renovation project, like a bath or kitchen makeover, you can get a Home Depot Project Loan with a line of credit of up to $55,000, with up to 84 months to pay it off, and no annual fees.


As a pro, you can maximize your spend and manage your business more effectively with Home Depot commercial accounts tailored to your needs. Our Commercial Revolving Charge card offers you the flexibility to make low monthly payments or payments in full each month. And, you can run multiple job sites more efficiently with the ability to issue authorized user cards to trusted employees.


Or, choose The Home Depot Commercial Account. You pay the balance in full each month, with the ability to itemize and pay by invoice, and you can issue buyer ID cards with set spending limits and detailed purchase information to key employees. Whether it’s for home or business, The Home Depot finance and card services team has you covered with a store card or Home Depot loan to help you get the job done.