Add to compare

Your Guide to Home Depot Credit Card Application Online

    Your Guide to Home Depot Credit Card Application Online
  • Intro
  • Minimum Payment
  • Balance Transfer

Improving your home can be expensive. If you’re frequently shopping at Home Depot, you may be considering the Home Depot credit card. Home Depot offers cards for consumers and small businesses. Consumers with fair credit or better can typically qualify for a Home Depot credit card, which means a credit score of around 640 or higher.

HomeDepot Credit Card Types

Compare Home Depot Credit Cards

Consumer Credit Card 

Project Loan

Commercial Revolving Charge

Commercial Account

Why This Card Increase your budget for home improvement and repair projects Best for kitchen and bathroom remodeling, room addition, replacing a roof and other big projects

Get these credit options to increase your business opportunities and buying power.

Get these credit options to increase your business opportunities and buying power.

Financing 6-month financing on purchases of more than $299, up to 24-month financing with special offers. Loan of up to $55,000 with 6-month payment
Interest Special financing available every day Interest-only payments for the first 6 months 60 days to pay with no interest on every purchase. 60 days to pay with no interest on every purchase.
APR 17.99% – 26.99%, based on creditworthiness 7.99% fixed APR N/A N/A
Payments Minimum payments required Up to 84 fixed payments every month; no prepayment penalty Flexible payment – pay low amounts or make a full payment every month Full payment is due every month
No Annual Fee
Itemized Statements
Easy Purchase Tracking
Pro Xtra Membership
Authorized User Cards
Buyer ID Cards
Pay by Invoice
Fuel Savings
back to menu ↑

How to Complete a Home Depot Credit Card Application Online

It’s easy to complete a Home Depot credit card application online.

  1. To get started, visit website at
  2. Click on “Credit Services” at the top of the page.

  3. Scroll down to the Consumer Credit card area and click “Apply Now” to apply for Home Depot card.

  4. Enter your first and last name, your email address, and your phone number. Provide your monthly housing payment and annual income. Select whether you own or rent your home.
    Enter your Social Security number and your date of birth.
  5. Scroll down to the bottom of the page and check the box that you’ve agreed to the terms and conditions. If you want paperless statements, check that box.

  6. Click the orange button that says “Submit Application.”
back to menu ↑

Other Ways to Complete a Home Depot Credit Card Application

You can also complete a Home Depot credit card application by visiting a Home Depot store. Let an associate know you’d like to apply for a Home Depot consumer card.

back to menu ↑

Home Depot Credit Card Rewards Program

Home Depot doesn’t offer a rewards program. Instead, they offer special financing promotions. Depending on what you purchase and the amount of your purchase, you may qualify for no-interest financing for six months or more.

back to menu ↑

Home Depot Credit Card FAQs

What is the APR for a Home Depot credit card?
The APR for a Home Depot card is based on your credit history. APRs typically range from 17.99 percent to 26.99 percent.

Can I transfer a balance?
Since the Home Depot card is a store credit card, you can’t transfer a balance to the card.

Is there an annual fee?
There is no annual fee for the Home Depot consumer credit card.

Is there a late fee?
If your payment is late, you may be charged a fee of up to $38.

Can I get a cash advance with the Home Depot credit card?
You can’t get a cash advance with the Home Depot credit card. The card can only be used for purchases at a Home Depot store or at the Home Depot website.

0 0 vote
Article Rating
8 Total Score
Home Depot Credit Card Reviews

Reviews for the Home Depot credit card are mixed at best. The main advantage to the Home Depot credit card is the flexible financing. If you pay off your card in full each month, though, this feature isn’t particularly helpful. The card doesn’t offer any rewards or cash back, and there are numerous complaints about their customer service. If you’re a frequent Home Depot shopper, or if you’re looking to finance a large purchase, the card may be worth checking out. Otherwise, there are several cards out there that offer better rewards, especially if you have good credit.

APR for Purchases
User Rating: 4.2 (10 votes)

For Example:

Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.

To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.

Credit Card Minimum Payment Calculator

Please fill out this form

First Name*
Last Name*


Minimum Monthly Payment ($):
Months to Payoff:
Total Interest:
Total Payments:


Amortization Schedule

Payment Interest Principal Balance
- - -


Save as PDF

By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.

Watch How Do Balance Transfers Credit Cards Work

Before apply for new credit card estimate your potential balance transfer savings

Online Balance Transfer Calculator

Home Depot Credit Card 1st Year Annual fee $ Annual Percentage Rate (APR) Currently, a variable % - % APR on purchases. (These APRs do not apply to cash advances.)


Don't worry we don't spam

Notify of
Inline Feedbacks
View all comments
Would love your thoughts, please comment.x
Credit Cards Apply & Reviews
Compare items
  • Total (0)