The Home Depot Credit Card gives you rewards on purchases at Home Depot and Home Depot Garden Centers, plus special financing offers on larger purchases
Home Depot offers two credit cards: the Home Depot Consumer Card and the Home Depot Commercial Card. Both cards earn rewards on Home Depot purchases, but they work differently and serve different customer types. The Consumer Card is for personal home improvement projects. The Commercial Card is for contractors, builders, and business owners who buy materials regularly.
Both cards offer the same core benefit structure: cash back rewards on Home Depot purchases, special financing periods on may have access to purchases, and exclusive discounts during promotional events. The main differences are in the rewards rate, the financing terms available, and whether the card works for business or personal use.
Key Takeaways
- The Home Depot Consumer Card earns 5% cash back on Home Depot purchases when you use the card in-store or online, and 1% cash back on all other purchases.
- Special financing offers let you pay for large purchases interest-free for a set period (usually 6, 12, or 24 months depending on the purchase amount), but interest applies if you do not pay off the balance by the end of the promotional period.
- The card has no annual fee, so you only pay interest if you carry a balance or miss a promotional financing important date.
- The Home Depot Commercial Card has different rewards rates and financing terms designed for business purchases and higher spending volumes.
How the Rewards Program Works
The Home Depot Consumer Card earns 5% cash back on every purchase made at Home Depot or Home Depot Garden Centers. This includes in-store purchases, online orders, and orders placed through the Home Depot app. You earn 1% cash back on all other purchases made with the card outside of Home Depot.
Cash back rewards are credited to your account automatically. You can use your rewards to pay down your balance, redeem them as a statement credit, or request a check. There is no limit to how much cash back you can earn, and rewards do not expire as long as your account remains open and in good standing.
The Commercial Card earns rewards at different rates. It typically offers 2% cash back on Home Depot purchases and 1% on all other purchases, though the exact rates depend on your account and current promotions. Commercial cardholders also receive additional perks like job site delivery and extended payment terms on certain purchases.
Special Financing Offers and Promotional Periods
Home Depot runs regular promotional financing offers on the credit card. These promotions typically allow you to make a purchase and pay it off interest-free over a set period. Common promotional periods are 6 months, 12 months, or 24 months, depending on the purchase amount and the current promotion.
To use a promotional financing offer, you must make a may have access to purchase during the promotional period and use your Home Depot credit card to pay. The promotion is applied automatically at checkout if you meet the minimum purchase amount. You then have the stated number of months to pay off the balance without paying interest.
If you do not pay off the full balance by the end of the promotional period, interest is charged on the remaining balance at the card's regular purchase APR. This APR varies based on your creditworthiness and current market rates. It is important to plan your payments carefully so you pay off the balance before the promotion ends.
Annual Fees and Costs
The Home Depot Consumer Card has no annual fee. You can hold the card indefinitely without paying a yearly cost, even if you do not use it.
You only pay interest if you carry a balance on the card or if you fail to pay off a promotional financing balance before the promotional period ends. The card's regular purchase APR applies to any balance you do not pay in full by your statement due date. Cash advances (if available) typically have a higher APR and may include a fee.
Late payments may result in late fees, and if your payment is significantly late, your APR may increase. Paying your full statement balance by the due date each month is the best way to avoid interest charges entirely.
How to Get and set up the Card
You can request the Home Depot Consumer Card in-store at any Home Depot location or online through the Home Depot website. The in-store process is usually faster — you can often receive a decision within minutes and use the card when ready for a discount on your current purchase.
To request the card, you will need to provide your name, address, date of birth, Social Security number, and income information. Home Depot will run a credit check to determine whether to approve your request and what credit limit to offer. You do not need to have perfect credit to be approved, but the card issuer will consider your credit history and current debt.
Once approved, your card arrives in the mail within 7 to 10 business days. You can also use the card when ready if you requested it in-store. When your physical card arrives, you may need to set up it by calling the number on the back or using the Home Depot mobile app, depending on how you requested the card.
Comparing the Consumer and Commercial Cards
| Feature | Consumer Card | Commercial Card |
|---|---|---|
| Home Depot Rewards | 5% cash back | 2% cash back |
| Other Purchases | 1% cash back | 1% cash back |
| Annual Fee | None | None |
| Financing Offers | 6, 12, 24 months (varies) | Extended terms available |
| Best For | Homeowners, DIY projects | Contractors, businesses |
The Consumer Card is designed for people buying materials for personal home projects. The higher 5% cash back rate on Home Depot purchases rewards frequent shoppers. The Commercial Card is built for business owners and contractors who buy in bulk and need flexible payment terms.
If you are a homeowner or renter doing your own projects, the Consumer Card is the right choice. If you run a construction business, contracting company, or regularly buy materials for resale, the Commercial Card may offer better terms and higher credit limits suited to business spending.
Paying Your Balance and Managing Your Account
You can pay your Home Depot credit card balance online through the Home Depot website, through the Home Depot mobile app, by phone, or by mail. Online and app payments usually post within one business day. Phone and mail payments may take longer.
Your statement is issued once per month. The statement shows your balance, your minimum payment due, and your payment due date. You must pay at least the minimum amount by the due date to keep your account in good standing. Paying more than the minimum reduces your balance faster and saves you interest.
You can set up automatic payments so your bill is paid on the same day each month. This helps you avoid late payments and missed due dates. You can also check your balance and rewards at any time through the app or website.
Frequently Asked Questions
Can I use the Home Depot credit card at other stores?
Yes, you can use the card anywhere Mastercard is accepted. However, you only earn the higher 5% cash back rate at Home Depot and Home Depot Garden Centers. All other purchases earn 1% cash back. If you want to maximize rewards, use the card primarily at Home Depot.
What happens if I do not pay off a promotional financing balance in time?
Interest is charged on the remaining balance at the card's regular purchase APR. The interest is calculated from the original purchase date, not from the end of the promotional period. This can result in a large interest charge, so it is important to plan your payments to pay off the balance before the promotion ends.
How long does it take to receive the card after I am approved?
If you request the card in-store, you can use it when ready for a discount on your current purchase. Your physical card arrives in the mail within 7 to 10 business days. If you request the card online, the timeline is similar — approval usually takes a few minutes to a few hours, and the physical card arrives within 7 to 10 business days.
Can I transfer my balance from another credit card to the Home Depot card?
Balance transfers are not a standard feature of the Home Depot credit card. You can use the card to make new purchases and take advantage of promotional financing on those purchases, but you cannot transfer an existing balance from another card.
What credit score do I need to get the Home Depot credit card?
Home Depot does not publish a minimum credit score requirement. The card issuer considers your overall credit history, income, and current debt when making a decision. People with fair credit may be approved, though they may receive a lower credit limit or higher APR than those with excellent credit.