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Home Depot Consumer Credit Card: BiggerPockets Review
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The Home Depot Consumer Credit Card is designed to help institute a payment plan for larger purchases made at Home Depot. Though this is not a rewards card, the Consumer Credit Card, which is backed by Citibank, offers a six month (or more) deferral of interest on purchases over $299. Minimum payments are required and late fees on those payments may be charged, but interest is only realized at the end of the deferral timeline.
Quick facts
- Accepted only at the Home Depot
- Six month interest deferral on purchases over $299
- Limited time promotional discounts and incentives for card members
- Increased return window policy (one year)
- Up to $100 sign-up bonus
PROS
- Six month interest deferred credit on purchases of $299 or more
- No annual fee
- Signup discounts
- Extended return policy of one year
- Regular promotions and extra savings for cardholders
CONS
- Complete interest realized if balance is not paid off in full by end of the deferral window
- No introductory APR
- Credit limit may be as low as $500
- No cash back or points rewards
- Only accepted at Home Depot
The stats
- APR: 17.99% to 26.99% based upon individual creditworthiness
- Annual fee: None
- Late fee: $40
- Balance transfer fee: Not applicable (this card is exclusively for Home Depot purchases)
- Cash advance fee: Not applicable (this card is exclusively for Home Depot purchases)
Credit requirements
The rewards
Current sign-up bonus
- $25 discount on a $25 to $299 purchase
- $50 discount on a $300 to $999 purchase
- $100 discount on a $1000 or more purchase