Credit Cards
Home Depot Consumer Credit Card full review
Here's what you need to know about the Home Depot Consumer Credit Card. Enjoy 5 months Financing on purchases and more! Keep reading!
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Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
Home Depot Consumer Credit Card: no annual fee

Home Depot is one of America’s largest and most trusted home improvement stores. And this review brings the Home Depot Consumer Credit Card. It offers you good rewards!
So in this blog post, we’ll look at this fantastic credit card in-depth and provide insights into what it can offer you as a customer. Read on to learn!
- Credit Score: Fair to Good (From 600);
- Annual Fee: $0;
- Regular APR: 17.99% – 26.99%, variable;
- Welcome bonus: N/A;
- Rewards: N/A.
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How does the Home Depot Consumer Credit Card work?
The Home Depot Consumer Credit Card is a great choice for Home Depot shoppers who want to take advantage of exclusive perks and discounts.
It has no annual fee, making it a low-maintenance card. However, it might have a high APR. So, if you’re prone to carrying a balance, this might not be your best option.
The Home Depot Consumer Credit Card also requires applicants to be approved with fair or better credit (typically above 600).
So, if you’re researching Home Depot credit card reviews, be aware of these criteria if you decide to apply.
Home Depot Consumer Credit Card pros and cons

Home Depot’s Consumer Credit Card provides customers flexible payment options, no annual fee, and special financing offers.
However, it is important to carefully review the Home Depot Consumer Credit Card before accepting it.
After all, customers should consider any Home Depot Credit Card’s interest rate and merchant restrictions.
As a result, those looking to sign up for this card should understand if it fits their financial needs.
Pros
- If the bills are without delays, it is possible to pay 0% of interest in the first year;
- Allows credit construction for some customers;
- Reports the good use of the card to the main credit agencies;
- Devolutions by the holders can be made within one year after hiring;
- It has protection against fraud;
- Has no associated annual rate.
Cons
- APR is high;
- Few rewards and benefits are offered;
- It has no points or some cashback;
- Interest charges may accumulate if payments are not made on time.
Does my credit score need to be good?
You must have fair credit to apply to this review’s Home Depot Consumer Credit Card. That is, it is necessary to have a score above 600 to be approved.
Want to apply for the Home Depot Consumer Credit Card?
Making improvements and taking care of repairs can be quite the expense — that’s where a Home Depot Consumer Credit Card comes in handy! So, apply now!
Access to an easy source of financing for your home improvement projects. In this blog post, we’ll share all you need to know about applying. Check out!
Apply online
This card offers many perks and benefits, making DIY projects much more fun! To apply, complete the application form and visit the Home Depot credit card website.
You’ll need to provide your Social Security Number, address, and annual income as part of the information needed to apply.
Once you’ve verified this is accurate, submit your application and await feedback.
Don’t wait too long to apply, though – the sooner you apply, the sooner you can take advantage of discounts and special offers.
Apply using the app

The application must be performed exclusively online. In this sense, you can apply through smartphones or tablets.
However, you should use internet access to enter the browser and access the website.
Then you must complete the request form by following the same steps as an online application.
It is noteworthy that to apply, it is essential to be over 18 years old and have a record of Credit score to be evaluated.
Moreover, it is essential to have a valid social insurance number.
Home Depot Consumer Credit Card vs. R.I.A. Federal Credit Union Mastercard® Rewards Card
Home Depot Consumer Card is one of the more sought-after cards due to its attractive terms and benefits.
Home Depot is extremely security conscious and provides its cardholders with a rigorous fraud protection system.
However, you can consider other credit card options. For example, the R.I.A. Federal Credit Union Mastercard® Rewards Card.
Home Depot Consumer Credit Card
- Credit Score: Fair to Good (From 600);
- Annual Fee: $0;
- Regular APR: 17.99% – 26.99%, variable;
- Welcome bonus: N/A;
- Rewards: N/A.
MyPoint Credit Union Platinum Visa Credit Card
- Credit Score: Good;
- Annual Fee: $0 annual fee in the first 3 years. After that, you can waive with minimum annual purchases of at least $6,000;
- Purchase APR: 15.00% up to 22.50%;
- Cash Advance APR: 21.00% to 28.50%;
- Welcome Bonus: N/A;
- Rewards: You can enroll and earn points for travel, gifts, merchandise, and more;
R.I.A.F.C.U. Mastercard® Rewards
Are you ready to apply for the R.I.A. Federal Credit Union Mastercard® Rewards Card? Then read on! Earn 1.5% cash back and much more!
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