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The Home Depot is a large retailer of home improvement products and services. It is aimed at consumers, professionals, and businesses. The retailer also offers credit cards to the consumers and businesses. However, the Home Depot credit card is not the only credit card you can use at Home Depot. You can use any credit card issued by a major bank when you shop at Home Depot.

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BEST for FAIR CREDIT:

Find out if you Pre-Qualify without affecting your credit score

This unsecured card provides opportunities to raise your credit score

Receive opportunities for credit line increases, a fee may apply

BEST for BAD CREDIT:
WebBank/Fingerhut Credit Account

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Credit Cards for Shopping at Home Depot

Card Name Credit History Intro APR Purch. (Intro Period) APR % Annual Fee Rewards Apply / Details
Bad
n/a0.00%See Termsn/a
Excellent / Good
0% (21 months)See Site$0Cash Back
Fair
N/A16.99% - 24.99% Variable$0 - $99Cash Back
Fair
N/A16.99% - 24.99% Variable$0 - $99Cash Back
Fair / Good
N/A23.9%$35 - $99*n/a
Fair
N/A16.99% - 24.99% Variable$0 - $99Cash Back
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Credit Cards for Shopping at Home Depot

Home Depot is a large retailer in the U.S. that offers its own credit cards to their customers. There are two Home Depot consumer cards: Home Depot Consumer Credit Card and Home Depot Project Loan. Both cards are issued by Citibank.
The first card can be used online and in-stores only, and the second card can be used everywhere MasterCard credit cards are accepted. Both cards allow you to qualify for special financing offers. The cards do not have rewards programs, so you won’t be able to earn rewards on your purchases. You can choose any credit card to apply.

Opt for Home Depot Credit Card Alternatives

The Home Depot credit cards are not the only credit cards you can use to pay for your purchases at Home Depot. In fact you can use any Visa, MasterCard or Discover credit card when you are checking out. And these cards can be as well rewarding as they often come with rewards programs or 0% intro APRs or both. Rewards programs usually allow earning bonus points or cash back on all purchases and are not limited to one particular retailer. As for interest rates, many banks will keep your low introductory rate if you make a late payment, and if you fail to pay off the card balance by the end of the introductory period, ongoing APR will apply to the remaining balance only.

If you Have a Limited Credit History

People with a limited credit history can also get a regular credit card instead of a store credit card. Moreover, we encourage you to apply for a regular credit card issued by a major bank because such cards have fair interest rates, low fees, and additional benefits. The benefits can be rewards, low into APRs, fraud protection, and free access to your FICO credit score. The last feature is most important one because you still need to improve your credit, if you want to get access to credit cards with greater perks.
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FAQ

At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?

Answer:
Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) ...

I once had the US Airways credit card, then the airlines merged with American Airlines and my card transitioned into the AAdvantage MasterCard with a higher annual fee and without companion pass. I use the card one year and then closed it because I don t fly with American Airline often. Now I am looking for a credit card without an annual fee. What are my options?

Answer:
You may like one of the regular travel rewards credit cards offered by major banks. Travel rewards credit cards allow earning miles on all ...

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CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.
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