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This return policy is a significant benefit considering the limited time window for non-member purchase returns is 90 days after the purchase date. A charge card is a type of electronic payment card that charges no interest but requires that the statement balance be paid in full. The 0% financing makes for a great headline, but it’s only free if you follow the rules. Like any other “deferred interest” promotion, 0% for six months means that you have to pay the balance in full before the six months run out.
When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. The Home Depot credit card can entice consumers looking to make a major renovation. Of note, the card does offer zero interest for six months on purchases above $299. For projects, such as fixing heat or A/C, replacing a water heater, or repairing plumbing, the card can be used for zero-interest financing. Similar to other store cards, the Home Depot consumer credit card can be used to make everyday purchases at Home Depot.
Cardholders have two payment options: 30-day term or 60-day term
If you do not wish to enroll, choose Cancel and deselect the Paperless Letters checkbox. Home Depot's two card options are its Pro Xtra Credit Card and its Commercial Account Card. Each card provides special financing offers for businesses, and each allows cardholders to take advantage of Home Depot's loyalty program for professionals . Credit line allowances are based on personal creditworthiness, so credit lines can vary from cardholder to cardholder. The requirements for the Home Depot card are not laid out, but note, the credit requirements are generally more lenient for store cards versus regular credit cards.
If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Specifically for Home Depot’s professional customers, the Pro Xtra Commercial Revolving Charge Card allows authorized employees to use the card for company purchases at any U.S. To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. The scoring formula takes into account the type of card being reviewed and the card's rates, fees, rewards and other features.
Commercial Account
The payment interest rates were discussed above, but it is important to note that neither credit option has an annual fee. Business cardholders who qualify will enjoy the benefit of having 60 days without interest on purchases. I agree to receive my billing statements electronically as available.
Frequent Home Depot shoppers might benefit from the fact that hassle-free returns are offered for one year with the card, which is four times longer than you'd normally get on Home Depot purchases. That could come in handy, especially on large purchases that you end up regretting later. Offers $25 off purchases of $25 to $299, $50 purchases of $300 to $999, or $100 off purchases of $1,000 or more. Compare top credit cards side-by-side, complete with objective reviews from the Nerds. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards.
Where Can I Use My Home Depot Credit Card?
If your email address changes, please update it through Account Online or call us at the number on the back of your card. Regardless of the card issuer, all of the Home Depot credit options can only be used for in-store or online purchasing with Home Depot. Each credit option gives card members an extended window for making returns -- up to one year.
Home Depot does not list credit requirements, but the cards are best suited for those who have fair credit scores or better. Those without a substantial credit history can be subject to personal guarantees on commercial accounts. The Home Depot credit card does not offer any cash back or related rewards. It does offer zero interest for six months on purchases above $299.
To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Review the specific loan agreement to verify your annual percentage rate , as the APR you receive will be based on your creditworthiness. Now discover a whole new online account, built to give you more control over your card and your time. Of course, the advantage of 60-days no interest is of greater importance to those with the Pro Xtra Card , since its minimum payment option is subject to interest charges. Sometimes those without the necessary credit history to establish a professional account will have to give a personal guarantee to qualify.
If you’re an avid Home Depot shopper, the card may make sense for you. The card does not offer any cash back, but it could be enticing for those interested in the introduction offers currently being made. With that, consumers may want to consider one of the best cash back credit cards if they are going to be shopping at the home improvement store for routine fixes. If you choose to receive legal notices electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. NerdWallet strives to keep its information accurate and up to date.
The card issuer will determine your purchase APR or other applicable terms specific to the product for which you apply based on your creditworthiness. You can pre-qualify on the Home Depot website to gauge the likelihood of your approval and what terms you may be given. We can electronically provide you the To get these electronically your device must be capable of printing or storing web pages and/or PDFs and your browser must have 128-bit security. If you want to request a paper copy of these disclosures you can call The Home Depot® Consumer Credit Card at and we will mail them to you at no charge. Itemized billing statements are available to cardmembers, allowing them to track purchasing by purchase order numbers, job names, or job numbers.
If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox. For purchases of $299 and up, you can choose either the 5% discount or a similar deferred interest offer. Currently, the process for applying for any of the Home Depot credit cards is online, though it can be done in-store. When applying, you will be redirected to a CitiBank application page.
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