Compare Home Depot Credit Cards with Alternatives

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Best Credit Cards from our partners for Shopping at Home Depot

If you're looking to do some home improvement, you won't have to look much further than Home Depot. With over 30 years of history selling home appliances, tools, hardware, lumber, and more, Home Depot has become a household name for those looking to do their own handiwork. Whether your business is construction or you're simply looking to tackle a personal home remodeling project, Home Depot will likely have the supplies you're looking for. With the Home Depot credit cards, they just might have the financing options you're looking for as well.

Compare Home Depot Cards with the Other Offers
Card Type
Home Depot
Shopping
Use for any US Shopping
Intro APR on Purchases
Regular APR
Annual Fee
Sign-up Bonus
Home Depot Cards:
Featured Alternatives to Home Depot Cards:
Excellent/Good Credit
Excellent, Good Credit
See website for Details*
Excellent/Good/Fair Credit
Discover it® Cash Back Citi Rewards+® Card Surge Mastercard® Home Depot® Consumer Credit Card
Discover it® Cash Back*See Terms Citi Rewards+® Card Surge Mastercard® Home Depot® Consumer Credit Card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
0% (14 months)
0% (15 months)
See website for Details*
0% for 6 months8
11.99% - 22.99% Variable APR
13.49% - 23.49% (Variable)
24.99% - 29.99% (Variable)
17.99% - 26.99%8
$0
$0
See website for Details*
$08
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
N/A
$100 off purchases of $1,000 or more when open a new card8

Other Alternatives to Home Depot Cards:

Excellent/Good Credit
Compare

Expert Rating:

Card Details
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% Intro APR (14 months) 10.99% Intro APR (14 months) 11.99% - 22.99% Variable APR $0 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
See card details
Excellent, Good Credit
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Expert Rating:

Card Details
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (18 months) 0% (18 months) 13.74% - 23.74% (Variable) $0 Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
See card details
Excellent/Good Credit
Compare

Expert Rating:

Card Details
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (14 months) 0% (14 months) 11.99% - 22.99% Variable APR $0 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
See card details
Compare

Expert Rating:

Card Details
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $0 3% of each balance transfer; $5 minimum
See card details
Compare

Expert Rating:

Card Details
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $450 3% of each balance transfer; $5 minimum
See card details
Compare

Expert Rating:

Card Details
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A 9.99% (Fixed) $48 N/A Yes
See card details
Compare

Expert Rating:

Card Details
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A See Terms See Terms See Terms Yes
See card details

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Get More with Pro Rewards

Home Depot offers a few different financing options, all of which are sponsored by Citibank. These are the Home Depot consumer credit card, the Home Depot Loan Project, the Commercial Revolving charge card, and the Commercial account. Citibank is one of the most trusted names in banking, so regardless of which Home Depot card you choose, you'll be in trusted hands.

The Home Depot Consumer credit card and Home Depot Project Loan are financing options for the consumer working on their own home, or for small projects in general. On the other side, the Commercial Revolving charge card and Commercial Account would be better choices for businesses or long term projects geared towards those who are working on their own homes or smaller projects. None of the options are rewards based.The Home Depot Project Loan is backed by a major charge card company, MasterCard.

While none of the current finance offerings have rewards programs, Home Depot does have a Pro Rewards program in which making certain purchase amounts will net you rewards points you can use towards future purchases, as well as giving you access to special Home Depot Pro Deals. The cards and finance options do offer a few such as the ability to not pay interest for 6 to 12 months depending on the purchase, as well as an online account system where you can manage all of your Home Depot Personal credit card needs. All cards can be used to purchase a Home Depot gift card as well.

A Home Depot card can be a great item to add to the tool belt, but if you're not currently working on your home and are looking to build some rewards instead, other cards here may be a better fit.

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