Is the Home Depot Card a Credit Card?

You might be wondering, “Is the Home Depot card a credit card?” It may be the perfect option for those who are frequent Home Depot customers. This type of card lets you have some time and space to pay off your Home Depot purchase. 

The Home Depot Card is an in-house credit card meaning that you can only use it for purchases at Home Depot. It is not a Visa or Mastercard. It is a Citibank card only used to purchase products on the website or through its app.

When deciding on a new credit card, it is necessary to do your research. You want to get the best deals and the lowest interest rates. Depending on how loyal you are to Home Depot, there are probably better options out there for you. But it is your decision. You get to decide what is best for YOU. 

Is the Home Depot Card a Credit Card?

The Home Depot card is like a traditional credit card, yet you can only use it for Home Depot purchases. Are you a frequent Home Depot shopper? Do you enjoy remodeling or DIY projects? Let us break down the advantages and disadvantages of the Home Depot card.

The good news about this card is that it has a $0 annual fee. It offers six months of financing on purchases of more than $299. There are special discounts, a one-year return policy, and zero liability for unauthorized charges.

On the downside, you can’t earn rewards when you use this card. There are no cash-back, miles, or points associated with this card.

The card offers some cash back after spending specific amounts. For example, you get $25 off purchases of $25 to $299, $50 purchases of $300 to $999, or $100 off purchases of $1,000 or more. In reality, these discounts are for a low amount of money.

Click here to see if you pre-qualify for this card. Checking out this option does not negatively affect your credit score.

Financing Options with the Home Depot Card

Many people don’t have the budget to invest upfront in home improvements. Using the Home Depot card gives you unique financing options to get those home projects started. It is no longer time to put them off or wait until you have the cash. 

Now is the time to upgrade your space; take advantage of these opportunities.

You don’t have to pay interest if you pay off the following purchases within the given period (six months).

  1. Get up to 18 months of financing on installed bath purchases.
  2. Receive 24 months of funding for your kitchen renovation, including backsplash, cabinet, and countertop purchases.
  3. Have the option of getting 24 months of financing on a RainSoft Installed Water Treatment purchase.

It is important to note that you deal with deferred interest if you don’t pay within the allotted time frame. Interest charges get added starting on the date of purchase if you don’t pay it off on time. This tactic is how credit cards ‘get you!’

You end up paying interest retroactively, which is a lot more money! This amount all depends on the APR you received when you started the contract. APR rates are based on your credit score.

Many credit cards give you 12 months or more with 0% APR if you qualify for them. Therefore, these cases are much better options. The variable rate for the Home Depot card is 17.99%-26.99% Variable, which is very high.

It’s time to Shop

There is a wide variety of products to purchase at Home Depot. The indoor gardening department brings in the most revenue for the company, with appliances, lumber and tools coming in next. Additionally, there is high paint, and plumbing needs sales too. 

If you are fixing up your house, everything and anything you need is at this retailer.

More About this Home Improvement Chain

  • Find out if “Home Depot gift cards expire” by clicking here.
  • The “Home Depot Price Match” is a money-saving policy; learn all about it here.  
  • Learn about “Home Depot Holiday hours by clicking here.” We share all you need to know about December shopping hours.
  • If you are usually in a rush when it comes to shopping, read more here to “see if Home Dept has a curbside pickup.”
  • Read about if the “Home Depot card is a credit card here.”


Yes, the Home Depot card is a credit card. However, it is only to be used at this specific retail chain. It may not have the best deals compared to other credit cards, but that decision is up to you!