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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Home Depot Consumer Credit Card: no annual fee

Home Depot Consumer Credit Card
Home Depot Consumer Credit Card full review. Source: Stealth Capitalist

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!

Home Depot logo

Applying for the Home Depot Consumer Credit Card

Are you planning to apply for a Home Depot consumer credit card? Here, learn everything you need! $0 annual fee and more!

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.

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

Portrait of a pretty young woman celebrating a success on laptop sit on couch
Home Depot Consumer Credit Card pros and cons. Source: Freepik

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?

Home Depot Consumer Credit Card has some specific benefits. If you want to apply to take advantage of the rewards, find out the step-by-step in this post below.

Home Depot logo

Applying for the Home Depot Consumer Credit Card

Are you planning to apply for a Home Depot consumer credit card? Here, learn everything you need! $0 annual fee and more!

About the author  /  Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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