#1 Home Improvement Retailer

Credit Card Services - The Home Depot

SAVE UP TO $100 TODAY◊ - on your qualifying purchase when you open a new card. Not combinable with other discounts. Valid now through 1/24/2024.
Consumer Credit Card
Consumer Credit Card
Consumer Credit Card Offers

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS* on 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 6 months.

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card, APR 17.99%–29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing.

Project Loan
Project Loan Card
Project Loan Payment Chart Example
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Choose the Card That Works for You
PXE Commercial Revolving Charge
Commercial Credit Card
Both Cards Offer
REGISTER YOUR PRO XTRA CREDIT CARD  To Your Pro Xtra Account to Start Earning Perks 4x Faster* Whenever You Use It
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.