Extend your budget for renovations and home repairs with 6 months financing on purchases of $299 or more, get a full year to make returns, and have zero liability for unauthorized charges.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
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Home Depot Consumer Credit Card review

If you’re hoping to do some renovations or home improvements in the near future, the Home Depot Consumer Credit Card offers an opportunity to extend your budget with its 6 month financing option.

It's important to note that this is a store credit card, and can’t be used to make purchases anywhere other than at Home Depot.

Home Depot Consumer Credit Card benefits

Let’s take a look at what this card has to offer.

Financing on purchases of $299 or more

With the Home Depot Consumer Credit Card, you can get 6 month financing on purchases, giving you some extra room to play with in your budget. And if you pay it off within 6 months, you’ll pay no interest.

If you don’t pay it off, however, you will pay deferred interest. This is not a "0% interest" offer, so if you don’t pay your full balance on time, you will be charged all of the interest accrued from the purchase date.

And, given that interest rates range from 17.99% to 26.99%, that could be a significant amount of money. If you’re not sure whether you’ll be able to pay the full amount in time, you may be better off using a different credit card.

Up to 24 months financing during special promotions

Home Depot will often offer special promotions to cardholders, allowing you to get up to 24 months financing on particular purchases.

Here are some example of offers this card has had in the past:

  • 24 months financing on a particular brand of installed water treatment,
  • 24 months financing on installed cabinets and countertops,
  • up to 18 months financing on installed bath purchases, and
  • 12 months financing on installed heating and air conditioning.

Of course, these offers change periodically, so it’s likely the offers you see will be different.

Again, if you pay these off in full before the financing period ends, you will pay no interest, but if you miss that deadline the accrued interest will be charged in full.

Extended returns

Home Depot Consumer Credit cardholders have a full year to make returns, which is 4x longer than usual.

Zero liability on unauthorized charges

If your Home Depot Consumer Credit Card is used to make unauthorized purchases, you won't be held liable for those charges. It’s a little thing, but it gives you some added peace of mind.

Home Depot Consumer Credit Card drawbacks

This is a significantly limited credit card, and has a number of drawbacks.

Can only be used at Home Depot

As a store credit card, it can only be used at Home Depot. On the other hand, you probably wouldn’t really want to use it anywhere else, because there are loads of better credit cards to use for more general shopping.

Has no rewards program at all

Many store cards will actually give you cash back or rewards points for the store itself. This card has no such program, so if you’re looking to earn rewards on your (potentially significant) home renovation purchases, you will want to use a different credit card.

Interest on financing is deferred, not 0%

If you make a purchase using the Home Depot Consumer Credit Card, you have a limited amount of time to pay it off in full. If you do so, you won't be charged any interest on your purchase.

On the other hand, if you don’t pay the full balance in time, you will be charged the full interest that has accrued since the day you made the original purchase. This could mean you’re charged 6 to 24 months of interest all at once, which can be significant given the high interest rates associated with this credit card.

If you aren’t 100% certain that you can pay the full balance in time, you will want to avoid using this credit card to finance your Home Depot purchases.

Alternative credit cards for shopping at Home Depot

Let's take a look at some different options for making purchases at Home Depot.

Credit card Welcome bonus Rewards Annual fee Interest rate offers Interest rates
None None $0 Deferred interest for financing term * Purchase: 17.99% - 26.99%
* Cash advance: N/A
* Balance transfer: N/A
Receive 10,000 bonus points when you spend $1,000 in your first 3 months * Earn 2 points for every $1 spent at supermarkets (up to $6,000 spent)
* Earn 1 point for every $1 spent on other purchases
$0 0% APR on purchases for 15 months * Purchase: 12.99%
* Cash advance: 25.24%
* Balance transfer: 12.99%
None * Earn 1% cash back on all spending
* Earn another 1% cash back when you pay your bill on time
$0 0% APR on balance transfers for 18 months * Purchase: 13.99%
* Cash advance: 24.24%
* Balance transfer: 13.99%
Earn 3% cash back in the first year on the first $10,000 in spending Earn 1.5% cash back on every purchase $0 0% APR on purchases and balance transfers for 12 months * Purchase: 12.99%
* Cash advance: 24.99%
* Balance transfer: 12.99%

Bottom line

If you’re planning to do some home renovations or repairs, the Home Depot Consumer Credit Card may be worth looking into. It does have its drawbacks, however, most importantly that it doesn’t earn any rewards at all, and that financing is deferred rather than simply paying no interest.


Can I get 0% financing with the Home Depot Consumer Credit Card?

If you take advantage of the financing options offered through the Home Depot Consumer Credit Card, you won't pay interest on those purchases, so long as you pay the balance off in full within the allotted time. If you miss the deadline, you will be charged the full amount of the interest accrued from the day you made the purchase. This is not 0% financing, but deferred interest financing, which is significantly different.

Does the Home Depot Consumer Credit Card earn any rewards?

The Home Depot Consumer Credit Card doesn't earn any rewards, no.

Is there a better credit card for making large purchases at Home Depot?

There are a number of different credit cards that offer low interest rates that allow you to earn rewards on your purchases. The American Express EveryDay credit card would be our top choice at the moment, as it's offering 0% APR on purchases for 15 months, while also letting you earn rewards on those purchases. It might be worth a closer look.

What are your thoughts?