Credit Card Services


Make EveryDay Home Improvements



For questions about your
Consumer Credit Card account:

1-866-875-5488

Consumer Credit Card

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Special Every Day Financing* on purchases of $299 or more

• 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.

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*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.

EXCLUSIVE CONSUMER CREDIT card OFFERS

GET THE CARD, SAVE UP TO $100 TODAY

The Home Depot Credit card

Get the card, Save up to $100 today

Valid 8/2/2018–1/30/2019. 

Not combinable with other discounts.

*Offer is for new accounts opened in-store, is subject to credit approval. This offer is redeemable on a single receipt purchase of either a $25 discount on a purchase of $25 up to $999; or a $100 discount on a purchase of $1,000 or more made within 30 days of your account open date at The Home Depot® retail stores 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. Offer is for new accounts. This offer is redeemable for either a $25 discount on a single-receipt purchase of $25 up to $999; or a $100 discount on a single-receipt purchase of $1,000 or more 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. 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.

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Valid in the U.S., U.S.V.I., Puerto Rico and Guam. Offer does not apply to prior purchases, The Home Depot Gift Cards, 3rd party Gift Cards or Certificates, installation products or services purchased in home, Tool Rental or to Traeger®, Weber®, Bona®, Simplehuman®, Delonghi®, Buckhaven, Samsung Chef Collection, Bosch Benchmark® Series, Liebherr, Zephyr, Miele, Bertazonni, Fisher & Paykel®, Signature Kitchen Suite, Jenn-Air®, Dacor®, Thermador®, Monogram products and trade styles. Coupon is not combinable with other discounts. Ask an associate. May not be combined with some other discounts; ask an Associate. Coupon is not valid on prior purchases. More details in store.

NEW ACCOUNTS: UP TO 24 MONTHS SPECIAL FINANCING

The Home Depot Credit card

UP TO 24 MONTHS FINANCING* on your first purchase when you open a new Home Depot Consumer Credit Card Account through Citibank, N.A.

Valid 9/13-9/19/18

24 months financing on purchases of $1,999 or more*
18 months financing on purchases of $999 up to $1,998*
12 months financing on purchases of $299 up to $998*


*,◊With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. Terms and conditions apply. Cashier must scan coupon to receive offer. Excludes services purchased in home.

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.

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*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.

UP TO 24 MONTHS SPECIAL FINANCING

The Home Depot Credit card

UP TO 24 MONTHS FINANCING* on purchases of special order installed carpet made on your Home Depot Credit Card.

Valid 9/6-9/19/18

24 months financing on carpet purchases of $1,999 or more*
18 months financing on carpet purchases of $999 up to $1,998*
12 months financing on carpet purchases of $299 up to $998*

†*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. Cashier must scan coupon to receive offer. Excludes services purchased in home. May not combine with any credit offer or discount including the 6 months everyday credit offer.
   

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12, 18 & 24 Month Key Credit Terms:
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. Valid 9/6-9/19/18.
*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.

SPECIAL FINANCING* EVERY DAY

The Home Depot Credit card

6 MONTHS EVERY DAY FINANCING* ON PURCHASES OF $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 6 months.No interest if paid in full within 6 months financing on purchases of $299 or more.

Apply Now

*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.

24 MONTHS FINANCING ON ANY KINETICO INSTALLED WATER TREATMENT PURCHASE OF $600 OR MORE

Water Treatment Purchases

24 months financing on Any Kinetico Installed Water Treatment purchases of $600 or more*.

Valid 9/6/18-10/3/18. 

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.

Key Credit Terms:
No Interest if Paid in Full Within 24 Months* on Any Kinetico 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 9/6/18-10/3/18.

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*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.

12 MONTHS SPECIAL FINANCING ON NEST® PRODUCT PURCHASES OF $349 OR MORE

12 months special financing on Nest® product purchases of $349 or more*
    

Valid 8/2–10/31/2018.

No interest if paid in full within 12 months on Nest product purchases of $349 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 8/2–10/31/2018.

*When purchased on The Home Depot Consumer Credit Card. Not available on The Home Depot Home Improver Card. 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. Additional terms apply.
  

Apply Now

No interest if paid in full within 12 months on Appliance purchases of $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.

*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; more details in store.

UP TO 24 MONTHS FINANCING ON SPECIAL ORDER AND INSTALLED BLINDS, SHADES & SHUTTER PURCHASES

Blinds, Shades & Shutter offer

made on your Home Depot Consumer Credit Card.
 

Valid 1/25/2018-1/23/2019
  

No Interest if Paid in Full Within Promotional Period: 18 months* financing on special order and installed blinds, shades, and shutters purchases of $999 up to $1,998, 24 months* financing on special order and installed blinds, shades, and shutters 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 1/25/2018-1/31/2019

*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; ask an Associate for details.

MORE CONSUMER CREDIT CARD OFFERS

Building Materials

Building Materials Offers

No interest if paid in full within 12 months* on any installed roofing, siding, windows, insulation, gutter, and leaf protection purchases of $5,000 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. 

Offer valid 2/1/2018-1/31/2019.

Apply Now

*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.

Water Treatment Offers

Water Treatment Offers

No interest if paid in full within 12 months* on any Installed water treatment purchases of $299 or more through 1-800-HOMEDEPOT. 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. 

Offer valid 2/1/2018 - 1/31/2019.
   

Apply Now

*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.

Heating and Air Conditioning Offers

Heating and Air Conditioning Offers

No interest if paid in full within 12 months* on any installed heating or air conditioning purchases of $299 or more through 1-800-HOMEDEPOT. 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. 

Offer valid 2/1/2018 - 1/31/2019.
   

Apply Now

*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:

1-866-875-5488


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













Apply Now Pay & Manage Card


Please call us at:

1-866-875-5489



Apply Now Pay & Manage Card


Please call us at:

1-866-875-5490



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:

Home Depot Commercial Account Fuel Rewards

Fuel Savings
See homedepot.com/cardbenefits for participating stations 
  


Home Depot Commercial Account Interest Payment

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.


Get Enrolled








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.