Home Depot Credit Card

Home Depot credit card is issued by the Citi which is purely a store card that cannot be used anywhere else. Surprisingly, Home Depot Credit card comes with zero annual or monthly fees with benefits of $300 or more. Yet, Home depot is operating with more than 2300 stores and with 500,000 employees. However, Home depot is  a home improvement retailer with 70 distribution center across the USA. Main competitor of Home depot is Lowe’s.

Naturally, Home Depot Credit Card is appealing for those who are dreaming home improvement. Either card does not have annual fee, it does not offer attractive rewards or perks. Without a doubt, this card is normally used by loyal customers of Home Depot. Summing up, If you needed your home improvement or you are a business project need, than this car will benefit you. Despite, Home improvement is usually costly but it adds values to your property. Meanwhile, Home depot credit card will help you with discount and defer payment facility.

Requirement to apply Home Depot Credit Card

In any case, If you meet following criteria than you are eligible for the card.

  1. Age of maturity that is 18 years or plus
  2. SSN
  3. Street address (PO address is not acceptable)
  4. Government issued photo ID

To illustrate, Rewards through Home Depot Credit Card depend upon offers announced from time to time.

Welcome Bonus:

Certainly, After sign up as a new member you will get $100.

Annual Fee:

Obviously, This card has no annual fee.

Intro APR:

As has been noted, You will get 0 intro APR for 6 months for the purchase of $299 or more. It is for 24 months special financing.

Regular APR:

Thus, Regular APR at this card is 18% to 27% that is variable.

Balance Transfer Fee:

Following this, This card does not have balance transfer facility.

Foreign Transaction Fee:

Next, Foreign Transaction is not allowed at this card.

Credit Needed:

To conclude, To get this card you have need fair or good credit score history. Your score should be 650 or plus.

Frequently Asked Questions:

Can Home Depot Credit Cards be used anywhere?

In brief, Home Depot Credit Cards is a store card and can be used at Home Depot Stores only. You cannot use it at other online places just like Amazon, eBay, Wal-Mart etc. This card can not be used at ATM for cash withdrawals.  

How to pay bill of the Home Depot Credit Cards?

Finally, You can pay bill through the large network of Citi Bank Branches, Home Depot Stores or online using Home Depot store app. Home Depot accept all Visa, Master Card, American Express debit and credit cards.

How can I get credit card from Home Depot?

Of course, You can apply credit card at Home Depot stores or you have also facility to apply at website www.Home Depot.com

How much Home Depot Credit Cards cost?

In addition, Home Depot Credit Card’s has no annual or monthly fee. It is a free card to create customer brand loyalty. Special discounts and rewards are offered to credit card holder without any charges.   

Home Depot Credit Card's takes how much time for approval?

In conclusion, For Home Depot Credit Card’s, you needed just 10 minutes to apply. After apply it takes normally 10-14 business days to get approval and dispatch of physical card at your address.

Can I use Home Depot credit card's virtually?

Yes you can use Home Depot’s credit card virtually, Home Depot have an app that allow you payments through app. You can use it virtually at Home Depot’s stores also.

Can Home Depot Credit Card affect credit score?

Concurrently, answer is Yes, Home Depot Credit Card affects your credit score as it is full fledge credit card. If you don’t make two billing payments, it will respond to credit bureaus that will damage your credit score. Additionally you will be fined as late payment charges with charge of high rate interest.

How to get cancel my Home Depot's credit card?

Accordingly, For cancellation of Home Depot’s credit card procedure is very simple. You just have to call helpline with a request of cancellation of the card. Your card will be cancelled ta spot after verification.

Which bank issue Home Depot's Credit Card?

Indeed, Home Depot’s Credit Card that is  a retailer or store card is issued by Citi Bank.  So card issuer helps you for bill payment and also support card related issues.

Lowe’s Credit Card

Lowe’s credit card is issued by the Synchrony Bank that is purely a store card. Therefore, It can be used at Lowe’s stores only. In this situation, You cannot use it anywhere else just like for ATM withdrawal, Amazon, Wall Mart. However, Lowe’s is main competitor of Home Depot. Lowe’s is more than home improvement. On this occasion,  If you needed home improvement or have business project than Lowe’s products may add value to your property. Per week transaction at Lowe’s store are more than 17 million and per year sale is more than 100 billion dollar.

By comparison, Lowe’s credit card has six different types.

  • Lowe’s Advantage Card
  • Lowe’s Business Advantage Card
  • Lowe’s Commercial Account
  • Lowe’s Business Rewards
  • Preload Plus MasterCard
  • Lowe’s Lease to Own
Lowe’s Advantage Card

Equally important, With the Lowe’s Advantage Card you will get 5% off at every day purchases, you will get 6 months special financing option at qualified purchases but you have to pay minimum payment each month. With the limited time offer, first, you will get 20% off at new account. Second, this card has no annual fee. Third, you can also avail Lowe’s products at 84 fixed installments.

Lowe’s Business Advantage Card

Further, With the Lowe’s Business Advantage, you will get 5% off at every day purchases. Furthermore, You will also get discounted delivery. Thus, this card offers you 0% interest for 60 days on new purchases but you have to pay minimum payment each month. Moreover you can download six month statement and can get invoices of your desired purchases by using Lowe’s Advantage Card.

Lowe’s Commercial Account

Moreover, with Lowe’s Commercial Account, you will 5% off at store eligible purchases. Surprisingly, Lowe’s Commercial Account features include itemized transactions, SKU level details and authorized buyer information. You will get billing upon delivery. Approved accounts are automatically saved to your MVPs for even more ways to earn. You will get two billing months to pay for new purchases.

Lowe’s Business Rewards Card

As i have noted, Lowe’s Business Rewards Card is more than and full fledging credit card. Undeniably, you will get $100 as a sign up bonus. Following this, you can earn 5% cash back at Lowe’s purchases for the first six month, after that you will earn 2% cash back. Naturally, Lowe’s Business Rewards Card can be used anywhere American Express is accepted. Cash back and sign up bonus will be received a statement credit or you can select gift card. Surprisingly, This card has zero annual fees.

PreLoad Plus Mastercard

Evidently, PreLoad Plus Mastercard can be used any where Mastercard is accepted. This card has no credit check and has zero monthly fees. With this card you will get automatic rebates on fuel, dining, and travel and immediate funding will available from business checking account. This card can be used at ATMs for cash withdrawals.

Lowe’s Lease to Own

Lowe’s Lease to Own is basically lease offer from Lowe’s. You can get eligible products at lease or installments with paying fixed monthly payment. You do not have need to pay any extra amount.

Lowe’s Credit Card Vs Home Depot Credit Card

Home Depot Credit Card only has specific time to time offers.



Home Depot



Home Depot offer specific time to time offers.

 With Lowe’s Credit Card, you will get 5% cash back for eligible Lowe’s purchases for 6 months, after that cash back rate will be 2%.

Welcome Bonus

With Home Depot Credit Card you can get welcome bonus of $100.

You have opportunity to get 20%off at first purchases up to $100.

Annual Fee

Annual Fee at this card is zero.

Annual Fee at this card is zero.

Regular APR


27% variable

Project Financing

You will get two years grace period for the payment, but buying should be $299 or more.  

You will get 84 months fixed payment option at buying of $299 or more, but you have to pay interest of 8%.

Issuer of Card

Citi Bank

Synchrony Bank