Credit Card Services


Make EveryDay Home Improvements



For questions about your
Consumer Credit Card account:

1-800-677-0232

Consumer Credit Card

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6-MONTH EVERYDAY FINANCING AVAILABLE*

on purchases of $299 or more + NEW ACCOUNTS SAVE UP TO $100† on your qualifying purchase when you open a new The Home Depot Consumer Credit Card Account. Valid 1/31/19 - 1/31/20.

• 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.

Check Now

*†‡ Subject to credit approval. Terms and conditions apply. See below for details.

Exclusive Consumer Credit Card Offers

6-MONTH EVERYDAY FINANCING AVAILABLE* ON PURCHASES OF $299 OR MORE

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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.

GET THE CARD, SAVE UP TO $100 TODAY†

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Get the card, Save up to $100 today† on your qualifying purchase when you open a new The Home Depot Consumer Credit Card. Coupon is not combinable with other discounts. $25 off your first purchase of $25 up to $999† OR $100 off your first purchase of $1,000 or more.†

Valid 1/31/19–1/29/20.

Apply Now


†Offer is for new accounts, is subject to credit approval and valid 1/31/19 until 1/29/20. 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. 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 or Certificates, third party gift cards, installation products or services purchased in home, Tool Rental or to Weber®, Bona®, Simplehuman®, Dacor®, Viking®, Fisher & Paykel®, Sharp Insight™, Delonghi®, Buckhaven, Lynx®, Alfresco™, OCI, Marvel®, Bertazzoni, Aga, Vent-A-Hood®, Samsung Chef Collection, Bosch Benchmark® Series, Liebherr, Zephyr, Miele, Signature Kitchen Suite, Jenn-Air®, Thermador®, Jeld-win Door Systems, Monogram products and trade styles. May not be combined with other discounts; ask an Associate for details.

More Consumer Credit Card Offers

UP TO 24 MONTHS SPECIAL FINANCING* ON INSTALLED CABINET MAKEOVER, COUNTERTOPS & BACKSPLASH PURCHASES

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Get up to 24 months special financing on installed cabinet makeover purchases, installed countertop purchases and installed backsplash purchases made on your Home Depot Consumer Credit Card.

Valid 9/12–9/25/2019.

24 months financing on Installed Cabinet Makeover, Installed Countertops, and Backsplash purchases of $9999 or more*
18 months financing on Installed Cabinet Makeover, Installed Countertops, and Backsplash purchases of $7499 up to $9998*
12 months financing on Installed Cabinet Makeover, Installed Countertops, and Backsplash purchases of $4999 up to $7498*

No Interest if Paid in Full Within Promotional Period: 12 Months* on qualifying purchases of $4999 - $7498, 18 Months* on qualifying purchases of $7499 - $9998 or 24 Months* on qualifying purchases of $9999 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.

*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* ON INSTALLED CARPET PURCHASES

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Get up to 24 months of special financing on purchases of special order installed carpet made with your The Home Depot Consumer Credit Card. 

Valid 9/5–9/18/2019.

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–$1998
24 Months* on purchases of special order carpet or installed carpet of $1999 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.

*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. Credit offers subject to change without notice; see store for details.

12 MONTHS SPECIAL FINANCING* ON ANY STOCK OR SPECIAL ORDER WINDOW, DOOR & PATIO DOOR PURCHASES OF $299 OR MORE

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No interest if paid in full within 12 months. 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 9/5/19-10/2/19.

*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.


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:

1-800-677-0232


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:

1-800-685-6691



Apply Now Pay & Manage Card


Please call us at:

1-800-395-7363



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

GET THE CARD, SAVE UP TO $100 TODAY†

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Get the card, Save up to $100 today† on your qualifying purchase when you open a new The Home Depot Consumer Credit Card. Coupon is not combinable with other discounts. $25 off your first purchase of $25 up to $999† OR $100 off your first purchase of $1,000 or more.†

Valid 1/31/19–1/29/20.

Apply Now


†Offer is for new accounts, is subject to credit approval and valid 1/31/19 until 1/29/20. 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 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. 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 or Certificates, third party gift cards, installation products or services purchased in home, Tool Rental or to Traeger®, Weber®, Bona®, Simplehuman®, Dacor®, Viking®, Fisher & Paykel®, Sharp Insight™, Delonghi®, Buckhaven, Lynx®, Alfresco™, OCI, Marvel®, Bertazzoni, Aga, Vent-A-Hood®, Samsung Chef Collection, Bosch Benchmark® Series, Liebherr, Zephyr, Miele, Signature Kitchen Suite, Jenn-Air®, Thermador®, Jeld-win Door Systems, Monogram products and trade styles. May not be combined with other discounts; ask an Associate for details.

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.