Home Depot® Consumer Credit Card: How it Works and Benefits

If you like to tackle DIY projects – from remodeling rooms to upgrading your backyard garden or installing a new security system – then The Home Depot® Consumer Credit Card might be a great option for you.

The Home Depot® is a one-stop shop for everything you need to complete your home improvement projects. With The Home Depot® Consumer Credit Card, you can buy what you need and get access to some unique perks.

Let’s look at how The Home Depot® Consumer Credit Card works and its benefits.

How does The Home Depot® Card work?

The Home Depot® Consumer Credit Card can be used exclusively at The Home Depot®. Cardholders can use it to make everyday purchases at The Home Depot®, such as tools, appliances and lighting. Cardholders can pay for their purchases with The Home Depot® Consumer Credit Card at checkout to access the card’s benefits.

What are The Home Depot® Card’s benefits?

There are several benefits to using The Home Depot® Consumer Credit Card®, including:

  • Special financing for purchases of $299 or more. Subject to credit approval. Terms and conditions apply.
  • Access to other financing options during special promotions throughout the year.
  • $0 liability on unauthorized charges.
  • Choose to pay your bill on any available due date at the beginning, middle or end of the month.

Cardholders also get a longer window for returns at The Home Depot®. Cardholders get a full year to make returns – four times longer than the standard return window of three months (see The Home Depot® Returns Policy for more details).

Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi® product or service. For advice about your specific circumstances, you should consult a qualified professional.

Additional Resources

  • Utilize these resources to help you assess your current finances & plan for the future.

  • Learn how FICO® Scores are determined, why they matter and more.

  • Review financial terms & definitions to help you better understand credit & finances.