Home Depot Credit Cards

When it comes to home improvement, Home Depot is a heavyweight. The big-box retailer sells home improvement merchandise online and in over 2,200 stores, making it a major shopping destination for millions of home improvement professionals and do-it-yourselfers. Home Depot also offers credit cards aimed to help shoppers finance their projects, which can often get expensive or require repeat shopping trips.

Home Depot Credit Cards (4)

Consumer Credit Card

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

Project Loan Credit Card

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

Commercial Revolving Credit Card

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

Commercial Account Credit Card

  • No Annual Fee
  • Flexible payment options
  • Easy-to-Read, SKU level, itemized billing statements
  • Online account management and purchase tracking
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Alternative Credit Cards of Home Depot Credit Cards

Credit One Bank® Platinum Visa Credit Card

  • Free Credit Score - Track your score monthly and view a summary of your credit report online.
  • Account Alerts - Stay informed by receiving notifications sent via email or text message.
  • Earn Cash - Get cash back rewards on eligible purchases. See terms for details.
  • Fraud Protection - Zero Fraud Liability protects you against unauthorized charges

Discover it® Miles Credit Card

  • Unlimited 1.5x Miles
  • We Match Mile for Mile
  • Book Travel With Ease
  • No Blackout Dates

Capital One® Platinum Credit Card

The Capital One® Platinum Credit Card is a good card if you have average credit and need a simple-to-use credit card that offers standard benefits.

Capital One® QuicksilverOne® Cash Rewards Credit Card

The Capital One® QuicksilverOne® Cash Rewards Credit Card is designed for fair or average credit. It comes with a reward of 1.5% cash back, along with some decent extra benefits. But you’ll need to pay a $39 annual fee to use the QuicksilverOne.Pay your first 5 monthly payments on time to get access to a higher credit line, a pretty good feature to have.We picked this card as one of the Best Credit Cards for Fair Credit.

Citi Simplicity® Card

The Citi Simplicity® Card offers a 0% introductory APR for 18 months, which only a few other credit cards offer, and some general shopping and travel benefits.See how this card compares to others in the Citi Simplicity Card vs the Citi ThankYou Preferred Card and The Citi Simplicity® Card vs. The Citi Diamond Preferred® Card.

Citi® Double Cash Card

The Citi® Double Cash Card is an interesting cash back credit card with a unique offer.It offers 1% cash back on purchases when they are initially made, and then an additional 1% when those purchases are actually paid for. With no annual fee and a 18-month introductory APR of 0% on balance transfers, this is, by the numbers, one of the most rewarding general-purpose cash back credit cards available.

Discover it® Chrome

The Discover it Chrome is a great card for people with good credit. Differing only slightly from the Discover it®, the Discover it Chrome entitles card members to a 2% cash back option in restaurants and on gas, instead of the 5% cash back on rotating categories throughout the year.Discover will also double the total amount of cash back you earn in your first year. This is a great deal for new cardholders. It includes the cash back you can earn in the Discover Deals shopping portal, so this is an opportunity to get some pretty big discounts.You’ll also get 14 months at 0% interest with this card, for both purchases and balance transfers. If you have a large balance on another account that’s accruing interest, you can transfer it to this card and pay it off at no interest.

Capital One® VentureOne® Rewards Credit Card

The Capital One VentureOne Rewards Credit Card provides an excellent reward of 10X miles per dollar at Hotels.com/venture, with 1.25X miles for every other purchase.Every mile you earn will be worth 1 cent when redeemed for travel expenses, so you’ll have a cash back equivalent of 10% for purchases from Hotels.com. Other purchases will only have a 1.25% cash back equivalent, so you’ll want to use a different card for non-hotel spending.This card is available at either the Visa Platinum or Visa Signature level, depending on your credit limit when approved. Visa Platinum cards have basic shopping and travel protections, while Visa Signature cards come with more protections and some value-adding perks.You’ll get a 12-month 0% intro APR for purchases, giving you a year to pay off a vacation or any other expenses you might have. There’s no annual fee, and no foreign transaction fee.If you’re looking for a card to book a variety of different hotels, the VentureOne Rewards should be a strong contender.There’s another card in Capital One’s Venture line, with different card terms and rewards. It might be a better option for you, depending on what you’re looking for in a travel credit card.CardAnnual FeePurchase APRRewardsBenefitsVentureOne Rewards (Review)$00% for 12 months, then 14.49%, 20.99%, or 24.49% Variable10X miles per dollar at Hotels.com1.25X miles per dollar on all other purchasesVisa Platinum or Visa SignatureVenture Rewards (Review)$95, $0 the first year14.49%, 20.99%, or 24.49% Variable10X miles per dollar at Hotels.com2X miles per dollar on all other purchasesVisa Signature

Discover it® Cash Back Credit Card

The Discover it Cash Back credit card is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

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What Home Depot Credit Cards Are Available?

Home Depot offers two very different cards for consumers: The Home Depot Consumer Credit Card and the Home Depot Project Loan Card.

Both Home Depot cards are limited to purchases from Home Depot or homedepot.com. This DOES include Home Depot’s Home Decorators Collection and Home Services.

Pros of Home Depot Credit Cards

The primary benefit of applying for either Home Depot credit card is the ability to finance your purchases at the store. Whether you're working on small repairs around the house or a massive remodeling, these cards allow you to buy materials with special offers that reduce the amount of interest you pay. Unlike other store cards, the Home Depot credit cards don't generally offer any cash back. The only exception are the limited time offers that will run from time to time. For example, you can get $25 off a Toro Power Clear Snow Blower when using a Home Depot Credit Card. This offer expires 11/01/2017.

Cons of Home Depot Credit Cards

1. You can only use these cards at Home Depot and homedepot.com

2. You won’t earn any rewards (cash-back or rewards points)

3. Hefty APRs on the Home Depot Consumer Credit Card can become troublesome if you carry a balance

Alternative Rewards Credit Cards

Bottom Line:Should you get a Home Depot credit card?

If you’re anticipating a major purchase (or several) at Home Depot and would like to stretch the cost over a few months without interest, it might be worth looking at The Home Depot Consumer Credit Card. If your project dovetails with a current promotion, or if you can get a discount on your first purchase, so much the better.

But if your credit is good, look instead to a card with a 0% introductory APR on purchases. These 0% periods are typically longer than six months — and these credit cards actually waive the interest during the 0% period, rather than defer it. That means if you still have an unpaid balance at the end of the 0% period, you’ll be charged interest only on your balance going forward.

If your Home Depot experience is just a steady stream of smaller projects — a few two-by-fours and nails one week, painting supplies the next, a new toilet for fall — you won’t get any value out of a Home Depot credit card. As mentioned, you don’t get any rewards for shopping at Home Depot. You’d be better off getting a credit card that gives you a flat 1.5% or 2% rewards rate on all purchases. Pay your balance in full each month, and you’ll never be charged interest.

The terms on the Home Depot Project Loan Card are best compared with those on a home equity line of credit from a bank or credit union.

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