While most of the Home Depot card options provide a way for you to finance large purchases, there are still ways that you can benefit from having one of their cards. The most significant benefit that comes with their Consumer Credit Card is having access to their special financing plans. Although you may not be making any purchases large enough to qualify for special financing, consumer card holders also have access to exclusive cardholder credit offers and 1-year hassle free returns. The Project Loan credit card doesn’t offer much aside from their low APR and extended pay-off period. By applying for the Commercial credit card, you can enroll in the Home Depot fuel saving program.