THE CARDTUNED DATABASE
The Home Depot Consumer Credit Card
Issuer: Citi
No rewards
- Annual fee
- $0
- Foreign transaction fee
- Not Applicable — closed-loop store card
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Save up to $100 on a qualifying purchase when opening a new card; current offer valid through September 9, 2026.
- Spending requirement
- Not publicly disclosed
- Time window
- Not publicly disclosed
Offer last checked: 2026-09-04
Additional benefits
• Special financing is available on eligible Home Depot purchases.
• Current promotion offers up to 24 months of financing on qualifying storewide purchases.
• New cardmembers can receive purchase savings on an eligible opening-day transaction.
• Online account management and prequalification are available.
Restrictions to know
Closed-loop retail financing card for eligible Home Depot purchases; it has no general-purpose payment network or traditional rewards program. Current up-to-24-month financing and up-to-$100 opening savings are promotional offers valid through September 9, 2026 and require a qualifying purchase. Promotional financing may use deferred-interest terms, so the qualifying balance should be paid in full by the deadline to avoid possible accrued interest. Offer amounts, minimum purchase thresholds, and availability vary by promotion.
Who can apply
Subject to Citi approval and current retail-card application rules; this is a closed-loop or limited-acceptance card.
Credit profile: Not Public / issuer underwriting applies