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Some information and features are not available yet—but don’t worry. It may take up to 3 business days for your full online experience to be ready. We believe everyone should be able to make financial decisions with confidence. Personal finance is about managing your budget and how best to put your money to work to realize your financial independence and goals. Andrew T. Schmidt is a compliance professional with 20 years experience in the financial services industry.
ZDNET independently tests and researches products to bring you our best recommendations and advice. By enrolling in, or editing wireless alerts you previously enrolled in, you agree to the Terms and Conditions. You accept that each alert may not be encrypted, and may include your name and information pertaining to your account. You may cancel through Account Online or by calling us at the number on the back of your card. Introducing a whole new experience built to give you more control over your card and your time. • Opportunities to provide feedback or complete online surveys, so you can tell us what you think.
Cardholders have two payment options: 30-day term or 60-day term
This means we will credit your account as of the calendar day, based on Eastern Time, that we received your payment request. If we receive your request to make an online payment after that time, we will credit your payment as of the next day. Cardholders also enjoy rotating exclusive offers, such as 10% off a certain brand for a limited time, or 24-month financing offers during special promotions.
If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Specifically for Home Depot’s professional customers, the Pro Xtra Commercial Revolving Charge Card allows authorized employees to use the card for company purchases at any U.S. To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. The scoring formula takes into account the type of card being reviewed and the card's rates, fees, rewards and other features.
Commercial Account
This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com This compensation may impact how and where links appear. This site does not include all financial companies or all available financial offers. A plain vanilla card is a basic credit card with no perks and few or no fees. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts.
Frequent Home Depot shoppers might benefit from the fact that hassle-free returns are offered for one year with the card, which is four times longer than you'd normally get on Home Depot purchases. That could come in handy, especially on large purchases that you end up regretting later. Offers $25 off purchases of $25 to $299, $50 purchases of $300 to $999, or $100 off purchases of $1,000 or more. Compare top credit cards side-by-side, complete with objective reviews from the Nerds. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards.
Where Can I Use My Home Depot Credit Card?
ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing. Home Depot does not list the credit requirements, but its APR for consumers will be 17.99% to 26.99% To apply, the process is rather easy, which can be done online. Any payment made on a weekend or holiday will be applied as of the day you make it. If a scheduled payment exceeds the current balance at the time of execution, you agree that we will reduce the scheduled payment amount to the amount of your current balance.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. There is a limit of 20 gallons of fuel per purchase per vehicle, and use is restricted to participating gas stations. Every $1 spent on your card counts as $4 for purposes of earning Perks.
Important Note:
The Home Depot provides a number of store credit cards, commercial accounts and project loans to help you finance purchases from its stores. Read all terms and conditions carefully before applying for any credit product and ensure you fully understand any implications to your financial situation and credit profile. For businesses exploring credit options in the hardware industry and home improvement projects, Home Depot offers two CitiBank-issued commercial credit options in the form of in-store credit cards. We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically.
Home Depot offers a variety of credit cards, including consumer cards and company cards. On the consumer side, Home Depot offers its consumer credit card that can be used by individuals at its stores. This card comes with six months of 0% financing for a purchase of $299 or more. To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements checkbox.
APRN/A. All charges are due and payable by the payment due date shown on your billing statement. Reward rates Every $1 spent on your card counts as $4 for purposes of earning Perks. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Neither ZDNET nor the author are compensated for these independent reviews. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers.
Performance information may have changed since the time of publication. And other Home Depot branded, co-branded or store products online, but you can also apply in person at any Home Depot store. Since eligibility is based on creditworthiness, a credit check will be run before approval is granted and approval is not guaranteed.
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