The answer as to which of the credit cards offered by Home Depot is considered “the best” is subjective and can easily change based on the basic needs of the cardholder. By visiting the Home Depot website, you can compare the features and benefits that come along with each card. When looking at the Consumer credit card, you will see that this card includes special everyday financing on purchases over $299, with the addition of exclusive cardholder credit offers and 1-year hassle-free returns. If you plan to take on a small home improvement project, the consumer card might be the best option for you. The Project Loan card is intended for people who need to make a very large purchase for a bigger project. The Project Loan card will provide you with up to $55k in credit and 84 months to pay off your purchase. The Commercial card would be a better option for someone who plans to buy supplies for their business.