Home Depot Credit Cards

Home Depot Credit Cards is a Store Credit Cards.

Home Depot Credit Card is designed for frequent users of Home Depot. Home Depot is an American retailer of home decorations and building materials. Home Depot is the idea of two fanatical DIYers from California who want to build a store that not only sells all the household goods you need but also provides customers with knowledge and skills to help you complete any project. They realized that dream by opening the first Home Depot store in Atlanta in 1979, with its iconic orange apron.Home Depot Credit Card is an excellent choice for those who regularly patronize the store and need some breathing space to pay for bulk purchases. The biggest disadvantage of this card is that it does not provide any continuous cash return as you can see on other credit cards.

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Home Depot Credit Cards List

The Home Depot Commercial Account

Issued through Citibank, The Home Depot Commercial Account offers similar features to the Home Depot Commercial Revolving Charge Card. However, with this card there is no APR; payments are due by a specific date.

Home Depot also offers the Home Depot Commercial Account and the Home Depot Consumer Credit Card.

Consumer Credit Card

  • Up to 24 months financing during special promotions
  • Exclusive cardholder credit offers
  • 1-year hassle-free returns

Project Loan

  • Credit lines of up to $55K
  • 6 month buying window to purchase products
  • 84 months to pay off
  • No annual fees

Commercial Revolving

  • No Annual Fee
  • Flexible payment options
  • Easy-to-Read, SKU level, itemized billing statements
  • Online account management and purchase tracking

Commercial Account

  • No Annual Fee
  • Flexible payment options
  • Easy-to-Read, SKU level, itemized billing statements
  • Online account management and purchase tracking
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If you want more cash back, you can choose CashBack Visa® Card.

CashBack Visa® Card

  • Annual Percentage Rate (APR) for Purchases 17.99% when you open your account. This APR will vary with the market based on the Prime Rate.

If you want to save money in your common purchases, you can choose Cashback Rewards Plus American Express® Card.

Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
  • Unlimited 1% cash back on all other purchases.
  • Enjoy no foreign transaction fees when you travel outside of the United States
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What Credit Cards Are Available? (5)

The Home Depot Commercial Account The Home Depot Commercial Account Consumer Credit Card Consumer Credit Card Project Loan Project Loan Commercial Revolving Commercial Revolving Commercial Account Commercial Account
Sing-Up Bonus Yes No No No No
Annual fee $0 $0 $0 $0 $0
6 Months Financing
Up to 24 Months Financing
1-Year Hassle-Free Returns
Zero Liability On Unauthorized Charges
Loans Up to $55,000
84 Months to Pay Off Purchases
7.99% Fixed Interest Rate

Information About Home Depot Credit Card You Need to Know

  • If you buy $299 or more and pay it in full within six months, there will be no interest from Home Depot Credit Card. Interest will be credited to your account from the date of purchase if the purchase balance (including the premium for optional credit insurance) is not paid in full within six months.

  • During the special promotional period, purchasing financing lasts for up to 24 months. The more you spend, the longer it takes to repay us.

  • Access to year-round exclusive sector financing concessions and savings, including up to 24 months of financing* eligibility to purchase and discounts on some products/facility

  • No annual fee

  • One year tax-free refund Loan back to your Home Depot Card. Receipt time is four times longer, just as a card member. For details, please refer to Home Depot Return Policy.

  • These special financing agreements are not very easy for consumers to understand. If you are interested in this card, please make sure that you fully understand the terms and conditions before applying, including what you need to repay.

Should You Get Home Depot Credit Card?

Home Depot Credit Card is undoubtedly attractive to ongoing housing improvement projects. It's intuitive and comes with various introductory quotations that may help you avoid paying any interest.

If your purchase meets the requirements of 0% APR and you can pay off the balance during the introduction period, Home Depot Credit Card is a strong offer. However, the subsequent variable APR range is quite high. If you can't pay off the balance in full before interest starts, you may want to find a card with a lower interest rate than the variable 17.99 to 26.99%.

The requirements for project loan cards are stricter. Fixed APR sounds reasonable, 7.99%, and you have six months to buy it. That's good. But there are many other ways to finance your project, including home equity loans and personal loans. You may need to carefully study each loan option you have and run these numbers to see which is the most cost-effective.

If Home Depot Credit Card doesn't meet your needs, you may want to consider other credit cards with similar introductory rates. You can see the alternative list.

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.

What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

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About Home Depot Credit Cards

Gifted with that fixer-upper attitude? Love remodeling? Have a penchant for DIY projects?

Then you've undoubtedly spent a decent amount of time (and money) at home improvement stores like Home Depot. You've probably wondered if their store-branded credit card is worth it.

This review breaks down both personal cards Home Depot has to offer, from the benefits to the drawbacks and everything in between. Read on to find out if either of these cards is right for your wallet!

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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