Home Depot Consumer
Issued by Citi
Rates verified July 2026
Everyday spending
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
Citi
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Card Highlights
Key benefits and features of the Home Depot Consumer
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
Additional perks and protections
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.
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Get started with the Home Depot Consumer today
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The Apply button takes you to Citi's own application
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No Data Shared
We never see or handle your application information