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Credit Card Services

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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 7/30/20–1/27/2021.
Consumer Credit Card

Consumer Credit Card
Consumer Credit Card Offers
6-MONTH EVERYDAY FINANCING AVAILABLE* ON PURCHASES OF $299 OR MORE
Rule 12 Months Financing on Installed Heating & Air Conditioning Purchases

Minimum $299 purchase required. Valid 1/30/2020-1/27/2021.

  • *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
rule 10% Off & Free Stain on Installed Pergolas, Arbors & Pavilions by Lawn Master Outdoor Living + 5% Off by Statement Credit

Get 10% off plus free stain (a $450–$3300 savings) with the purchase of an installed pergola, arbor or pavilion by Lawn Master Outdoor Living at participating US stores. Excludes options, display models and DIY kits. 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. Valid 9/10–11/4/2020.

  • 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 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.
  • *Offer subject to credit approval and valid from 9/10-11/4/2020. 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 including the 6 months everyday offer. © 2020 Citibank, N.A.
Rule Up to 24 Months Financing* on Special Order Installed Carpet Purchases

Valid 10/22-11/11/2020.

  • 24 months financing on special order installed carpet purchases of $1,999 or more*
  • 18 months financing on special order installed carpet purchases of $999 up to $1,998*
  • 12 months financing on special order installed carpet purchases of $299 up to $998*
  • *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.
  • No Interest if Paid in Full Within Promotional Period: 12 Months* on purchases of special order carpet or installed carpet of $299–$998, 18 Months* on purchases of special order carpet or installed carpet of $999–$1,998 or 24 Months* on purchases of special order carpet or installed carpet 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.
rule Up to $500 Off Select Installed Sheds & Garages from Tuff Shed + 5% Off by Statement Credit

Valid 10/8–11/4/2020.

  • $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 Keystone Series sheds. Discount is based on total ticket and will be taken at the register.
  • Offer valid on select Tuff Shed® installed sheds and garages purchased from 10/8/2020 through 11/4/2020 at participating US The Home Depot® stores (a value of $100–$500). Offer excludes display buildings and Tuff Shed 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 USA, 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 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 USA, 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.
  • *Offer subject to credit approval and valid through 11/4/2020. 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 US, USVI, 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. © 2020 Citibank, N.A.
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
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.