Credit Card Services
Find the right card FOR
YOUR HOME OR BUSINESS
Make EveryDay Home Improvements
For questions about your
Consumer Credit Card account:
1-800-677-0232
Consumer Credit Card
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Special Every Day Financing* on qualifying purchases
• Up to 24 months financing during special promotions*
• Exclusive cardholder credit offers
• 1-year hassle-free returns‡
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See if you pre-qualify
without impacting your credit score.
*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.
Tackle Big Projects
For questions about your
Project Loan Card account:
1-877-476-3860
Project Loan
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7.99% fixed APR
• Credit lines of up to $55K
• 6 month buying window to purchase products
• 84 months to pay off
• No annual fees
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Remodel a kitchen or bath, add on a room, replace your roof, or tackle any
big improvement project with a loan of up to $55k at a fixed rate of 7.99% APR
and 84 months to pay
Compare Consumer Credit Card vs. Project Loan Benefits
Consumer Credit Card
Why This Card:
Extend your budget for making home repairs, updates and improvements.
6 Months Financing*
on purchases of $299 or more.
Up to 24 Months Financing*
during special promotions.
1-Year Hassle-Free Returns‡
That's 4X longer to make returns, just for being a cardmember.†See The Home Depot returns policy for details.
Zero Liability On Unauthorized Charges
Shop with confidence.
Project Loan
Why This Card:
Ideal for kitchen and bath remodels, room additions,
roof replacement and other large projects.
Loans Up to $55,000
Purchase everything for your project with 6 months to pay.
84 Months to Pay Off Purchases
Fixed monthly rates with the flexibility to pay off at any time.
7.99% Fixed Interest Rate
Extended over the life of the loan.
No Annual Fees
Please Call Us At:
1-800-677-0232
Please Call Us At:
1-877-476-3860
take your operations
to the next level
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Equip yourself with credit options to maximize
your purchasing power and expand your business
See Card Benefits
HOME DEPOT COMMERCIAL CREDIT CARD BENEFITS
With your commercial card, you get:
Itemized Statements
Easy-to-read, itemized billing statements organized by product number
Easy Purchase Tracking
Track purchases by PO number, job name, or job number
Online Account Management
View, manage and pay your account online, from anywhere
1 Year to Make Returns‡
4X longer to make returns, just for being a cardmember
Pro Xtra Membership
Automatic enrollment in our pro savings & benefits program
Enroll your account for additional perks:
Fuel Savings†
See homedepot.com/cardbenefits for participating stations
60 Days
With no interest on every purchase. 2X longer to pay lets you optimize your cash flow. Minimum monthly payments required for Commercial Revolving Charge.
Compare Our Commercial Card Benefits
Commercial Revolving Charge
Why This Card:
Payment Flexibility
Make low monthly payments or pay in full each month
Authorized User Cards
Issue cards to employees entrusted to make purchases on your account
Commercial Account
Why This Card:
Pay in Full Monthly
Payment due in full each month
Buyer ID Cards
Authorize users to make purchases with spending limits and get detailed purchase info
Pay by Invoice
Optimize cash flow with the flexibility to itemize and pay invoices
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.
And pros, you can maximize your spend and manage your business more effectively with Home Depot Commercial Accounts tailored to your needs. Our Revolving Charge card offers you the flexibility to make low monthly payments or payments in full each month. And, you can run multiple job site more efficiently with the ability to issue authorized user cards to trusted employees.
Or, choose The Home Depot Commercial Account Card. 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.