Key facts
The Home Depot Consumer is issued by Citi and has no annual fee. It earns 1x points on all purchases. There is no welcome bonus stored for this card. Recommended credit: good. Confirm the current terms on the issuer's page before you apply.
Benefits in our card record
- Financing
- Returns
- Special Promotions
Home Depot Consumer
Issued by Citi
Rates verified October 2026
Welcome Bonus
No welcome bonus
Rewards Rate
1x points on all purchases
Annual Fee
No annual fee
Recommended Credit Score
good
You'll be taken to the issuer's secure application
Rewards Program
1x points on all purchases
Welcome Offer
No welcome bonus
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Everyday spending
Why We Recommend This Card
No annual fee — keep more of what you earn
Financing
Returns
Card benefits
Financing
6 Months Financing on purchases of $299 or more.
Returns
1 Year to Make Returns - 4X longer to make returns, just for being a cardmember.
Special Promotions
Up to 24 Months Financing during special promotions.
Direct to the Issuer
The Apply button takes you to Citi's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information