How much do you know about the Home Depot Credit Card? The Home Depot company is popularly known for selling home improvement, furniture, appliances, kitchen products, decors, electronics, etc.
Anyone can visit the Home Depot store directly to purchase any product or item. There is also an e-commerce website where people can buy items from online.
Home Depot Credit Card
Home Depot has a credit card program where its customers can apply for Credit Cards, It allows customers to get discounts, earn rewards, and take advantage of a special financing facility.
The company has a partnership with CitiBank who issues the Credit Cards powered by the Mastercard. Citi bank manages all credit card accounts and set terms and conditions for every new member who has gotten the card. Currently, Citibank offers the below listed credit cards for Home Depot members:
- The Home Depot® Consumer Credit Card
- Pro Xtra Credit Card (Commercial Revolving Card)
- Project Loan
- The Home Depot Commercial Account
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Benefits of Home Depot Credit Card
Here are some of the benefits of using this credit card:
- New card users can save $25 on purchases within $25 to $299, save $50 on purchases within $300 to $1000, and save $100 on purchases ranging $1000 or more.
- You can get 6-month everyday financing on purchases of $299 or higher. And 12 and 24-month financing is also available on eligible products.
- Cardholders are offered access to special deals and offers.
- It offers Zero liability protection on unauthorized charges.
Home Depot Fees & Charges
Annual Fee – $0
APR for purchases – 17.99%, 21.99%, 25.99%, or 26.99%
Minimum interest charge – $2.00
Late payment charge – Up to $40
Home Depot Credit Card Registration
If you want to create an account on the platform, then follow the step below:
- Go to the website https://www.homedepot.com/
- Click on My Account from the top section
- Then click on Register
- Select the account you are registering for; personal account or pro xtra account
- Fill the registration form by providing your email address, password, phone number, and zip code
- Verify your account by entering the code sent to your provided mail or number
- Click on Register or Sign up
Home Depot Login
If you already have an account, then you can login using the step below:
- Visit the Home Depot website https://www.homedepot.com/
- Click on My Account, then select the Sign In option
- Enter your email address and click on Continue
- Then enter your password and click on Sign In
Home Depot Credit Card Payment
The Home Depot Credit Card payment can be done either online, through Citi Bank account, via phone, or by mail. Below are the payment steps for each payment method:
Pay Online
- Login to your Home Depot account
- Click on Payment option from the menu
- Add a saving or checking account for payment by providing payment source (bank account), payment amount, and payment date
- Click on Submit Payment
Pay through Citi Bank Account
- Login to your Citi Bank online account
- Go to the payment section
- Click on add a payment account to add a saving or checking account
- Then click make a payment to start the payment process
- Provide all required information such as payment amount, date, etc.,
- Click on Submit Payment
Customers can also register for an Automatic Payment feature offered by CitiBank. This can allow payment to be scheduled and automatically processed even without having to visit the website.
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Pay via Phone
This can be done by calling the customer service department.
Pay via Mail
You can mail checks or money orders to the Home Depot address. This process can take up to 5 to 7 days before reaching the mail. Also ensure to note down your name and the last 4 digit of your account number on the front of the check or money order.
Payment address
The Home Depot Consumer Credit Card
The Home Depot® Consumer Credit Card Payments
Home Depot Credit Services
P.O. Box 9001010
Louisville, KY 40290-1010
Philadelphia, PA 19176-0600
Overnight Delivery/Express Payments
The Home Depot® Consumer Credit Card Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
6716 Grade Ln
STE 910
Louisville, KY 40213
Home Depot Commercial Revolving Card
Payment Address
The Home Depot® Commercial Revolving Card Payments
Home Depot Credit Services
P.O. Box 9001030
Louisville, KY 40290-1030
Overnight/Express Payments
The Home Depot® Commercial Revolving Card
Overnight Delivery/Express Payments
Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Home Depot Commercial Account
Payment Address
The Home Depot® Commercial Account Payments
Home Depot Credit Services
P.O. Box 78047
Phoenix, AZ 85062-8047
Overnight Delivery/Express Payments
The Home Depot® Commercial Account Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
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Home Depot Credit Card Apply
Before you should apply for this credit card, you will have to check if the card is suitable for you. Business owners can apply for the Pro Xtra or Commercial Credit Card. The Home Depot project loan is available to customers for large purchases as they can get $50,000 credit line for up to 84 months to pay off the loan.
How to check if I am prequalified for the consumer credit card?
- Visit the website https://www.homedepot.com/c/Credit_Center
- Click the Pre-Qualify Now option under the consumer credit card section
- Fill in your first name, last name, last 4 digit of SSN, email address, and phone number
- Click on Continue
If you are pre-qualified, then you can get approved for this credit card.
Apply Online for Home Depot Credit Card
- Go to https://www.homedepot.com/c/Credit_Center
- Click on Apply Now option under any of the credit card offered on the page
- Make sure you are applying for the selected credit card that suits your consumer type
- Fill in your first name, middle name (optional), last name, email address, and phone number
- Click on Continue
- Provide the other information required by CitiBank to complete the application of this credit card
- Then click on Apply Now
If your application is approved, then you will be sent the credit card by mail to the address filled during application.
Home Depot Credit Card Activate
You can activate the credit card by calling on the customer service department.
Home Depot Customer Service
Phone Number
| Phone Number Type | The Home Depot Consumer Credit Card | The Home Depot Commercial Revolving Card | The Home Depot Commercial Account |
| For general inquiry | 1-800-677-0232 | 1-800-685-6691 | 1-866-875-5490 |
| Technical inquiry | 1-866-875-5488 | 1-866-875-5489 | 1-866-875-5490 |
| TTY for the Hearing Impaired | 1-888-944-2227 | 1-888-944-2227 | 1-888-944-2227 |
| Outside the U.S., Canada, and Puerto Rico, Call Collect | 1-423-467-6124 | 1-972-655-5613 | 1-972-655-5614 |
Mail Address
| Card Type | Mail Address |
| The Home Depot® Consumer Credit Card | P.O. Box 7032
Sioux Falls, SD 57117-7032 |
| The Home Depot Commercial Revolving Card | Home Depot Credit Services
P.O. Box 6045 Sioux Falls, SD 57117-6405 |
| The Home Depot Commercial Account | Home Depot Credit Services
P.O. Box 790340 St. Louis, MO 63179 |
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