Credit Center

Consumer Credit Card

Pay and Manage

Apply Now

View Offers

Project Loan

Pay and Manage

Apply Now

Commercial Revolving Charge Card

Pay and Manage

Apply Now

View Offers

Commercial Account

Pay and Manage

Apply Now

View Offers

SAVE UP TO $100 TODAY* on your qualifying purchase when you open a new card. Not combinable with other discounts. Valid 1/28/21–7/28/2021.

Consumer Credit 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 to Make Returns‡ - 4X longer to make returns, just for being a cardmember. ‡Refer to The Home Depot Returns Policy for details.
• Zero liability on unauthorized charges.
• Credit card limits based on creditworthiness.
• Minimum payments required
Check to see if you pre-qualify without impacting your credit score. >
*‡ Subject to credit approval. Terms and conditions apply. See below for details.

Consumer Credit Card Offers

Up to 24 Months Special Financing* on Storewide Purchases Made on Your Home Depot Consumer Credit Card.

Valid 4/8-4/21/2021.

No Interest if Paid in Full Within Promotional Period: 12 Months* on purchases of $299–$998, 18 Months* on purchases of $999–$1,998 or 24 Months* on 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. Valid 4/8-4/21/21.

*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

*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 Revolving Charge Card

Low monthly payments with the Commercial Revolving Charge Card.

• Payment flexibility to allow you to make low monthly payments or pay in full each month
• Authorized user cards - Issue cards to employees entrusted to make purchases on your account.
• 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. ‡Refer to The Home Depot Returns Policy for details.
• Pro Xtra Membership
• 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

Commercial Account

Pay in full each month with the Commercial Account.

• 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
• 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. ‡Refer to The Home Depot Returns Policy for details.
• Pro Xtra Membership
• 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.

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.