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Credit Card Services - The Home Depot

FIND THE RIGHT CARD FOR YOU
Consumer Credit CardConsumer Credit Card

Project Loan

Pro Xtra Credit Card (Commercial Revolving Charge)

Commercial Account

SAVE UP TO $100 TODAY◊ - on your qualifying purchase when you open a new card. Not combinable with other discounts. Valid 7/29/2021–1/26/2022.
Consumer Credit Card
Consumer Credit Card
Consumer Credit Card Offers
6-MONTH EVERYDAY FINANCING AVAILABLE* ON PURCHASES OF $299 OR MORE
24 Months Financing* on Installed Water Treatment Purchases $600 or More

Valid 12/2-1/26/22.

  • No Interest if Paid in Full Within 24 Months* on Installed Water Treatment Purchases of $600 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 24 months. Valid 12/2/2021–1/26/2022.­­
  • *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.­­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 228160518; CA 602331; CT HIC.533772; DC 420214000109, 410517000372; FL CRC046858, CGC1514813; GA RBCO005730, GCCO005540; HI CT-22120; ID RCE-19683; IA C091302; LA 43960, 557308, 883162; MD 85434, 42144; MA 112785, CS-107774; MI 2101089942, 2102119069; MN BC147263; MS 22222-MC; MT 37730; NE 26085; NV 38686; NJ 13VH09277500; NM 86302; NC 31521; ND 29073; OR 95843; The Home Depot U.S.A., Inc. is a Registered General Contractor in Rhode Island and its Registration Number is 9480; SC GLG110120; TN 47781; UT 286936-5501; VA 2705-068841; WA HOMED088RH; WV WV036104; WI 1046796.
Save Up To $500 on Select Tuff Shed Installed Sheds and Garage Purchases, Plus an Additional 5% Off By Statement Credit When You Use You The Home Depot Consumer Credit Card

Valid 1/6–1/26/2022.

  • $2,000-$2,999 Select Tuff Shed Shed or Garage Purchase = $100 Discount $3,000-$3,999 Select Tuff Shed Shed or Garage Purchase = $200 Discount $4,000-$7,499 Select Tuff Shed Shed or Garage Purchase = $300 Discount $7,500-$9,999 Select Tuff Shed Shed or Garage Purchase = $400 Discount $10,000+ Select Tuff Shed Shed or Garage Purchase = $500 Discount Offer Excludes Display Buildings and Tuff Shed The Keystone Series Sheds. Discount Is Based on Total Ticket And Will Be Taken At The Register.
  • Offer valid on select Tuff Shed The Sundance Series installed sheds and garages purchased from 1/06/2022 through 1/26/2022 at participating U.S. The Home Depot® stores (a value of $100.00–$500.00). Offer excludes display buildings and Tuff Shed The Keystone Series sheds. 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 for current credit promotion(s). Product and Service availability may vary by market. 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, 16036; AK CONE25804; AZ ROC252435, ROC092581; CA 602331; CT HIC.0533772; DC 410517000372, 420214000109; FL EC-1440, CGC1514813, CRC046858; CAC1813767, CAC1818831, CFC1426021; CCC1331113, CCC1331130; GA EN216765; HI CT22120; ID 005190, RCE-19683, 22877, 024087, 022876; IL 104017473; KS 16-009627; KY ME65140, HM05813; LA 883162, 557308, LMP6987; MD 85434 42144, 76141, 11589; MA 112785, CS-107774; MI 2101089942, 2102119069; MN BC147263, PC147263, PM093716, PM093715; NV 38686, 82439, 82442; NJ 34EB0158400, 13VH09277500; NM 86302; NC U.30834, 31521; ND 1634; OK 00135514, 91910, 106339, 80003095; OR 95843; The Home Depot U.S.A., Inc. is a Registered General Contractor in Rhode Island and its Registration Number is 9480; TX TECL24447, TACLA1574C, TACLB14980C, M-16451; WA MOOREJR934LN, HOMED088RH; and WV WV036104. ©2022 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 Consumer Credit Card. Not available on The Home Depot Home Improver Card. Terms and conditions apply. Ask an Associate for details.
12 Months Financing* On Installed Fencing Purchases $2500 or More

Valid 1/13–1/26/2022.

  • No Interest if Paid in Full Within 12 Months* on Installed Fencing Purchases of $2,500 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 12 months. Valid 1/13–1/26/2022.
  • *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.
  • 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 228160518; CA 602331; CT HIC.533772; DC 420214000109, 410517000372; FL CRC046858, CGC1514813; GA RBCO005730, GCCO005540; HI CT-22120; ID RCE-19683; IA C091302; LA 43960, 557308, 883162; MD 85434, 42144; MA 112785, CS-107774; MI 2101089942, 2102119069; MN BC147263; MS 22222-MC; MT 37730; NE 26085; NV 38686; NJ 13VH09277500; NM 86302; NC 31521; ND 29073; OR 95843; The Home Depot U.S.A., Inc. is a Registered General Contractor in Rhode Island and its Registration Number is 9480; SC GLG110120; TN 47781; UT 286936-5501; VA 2705-068841; WA HOMED088RH; WV WV036104; WI 1046796.
12 Months Financing* on Appliance Purchases $299 or More

Valid 1/13–1/19/2022.

  • No Interest if Paid in Full Within 12 Months* on Appliance purchases $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 12 months. Valid 1/13–1/19/2022.
  • *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.
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.

TWO PRO-GRADE WAYS TO BUYING POWER
Choose the Card That Works for You
PXE Commercial Revolving Charge
Commercial Credit Card
The Home Depot Commercial & 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 a Home Depot Credit Card, revolving or commercial account tailored to your needs. The Pro Xtra Credit Card offers rewards and low monthly payments.


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 Home Depot Credit Card for our stores or Home Depot loan to help you get the job done.