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Consumer Credit Card

Extend your budget for making home repairs, updates, and improvements


  • 6 months financing** on purchases of $299 or more.

  • 1 year to make returns. See The Home Depot Returns Policy for details.

  • Zero liability for unauthorized charges

  • See below for details.

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Project Loan

We don’t just make it happen; we make it affordable


  • 6 months to purchase everything for your project***

  • Fixed low monthly payments with more time to pay and flexibility to pay off any time***

  • Loans of up to $55,000 to purchase all your project materials and more

  • Four different tiers for APR and Loan duration

  • No Annual Fee

  • See below for details.

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Pro Xtra Credit Card

Earn Pro Xtra Perks 4X faster^ when you join Pro Xtra, register, & use your card


  • Payment flexibility to allow you to make low monthly payments or pay in full each month

  • Authorized user cards — Issue cards to employees entrusted to make purchases

  • Automatic Pro Xtra Membership

  • See below for details.

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Commercial Account

Receive a 2% early pay discount if invoice paid online in 20 days**** or get 60 days to pay


  • Payment due in full each month

  • Buyer ID Cards—Authorize users to make purchases with spending limits and get detailed purchase info

  • Pay by Invoice

  • See below for details.

Current Offers

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6 Months Everyday Financing** on Purchases $299 or more

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Save Up to $100 Today*

on your qualifying purchase when you open a new card. Not combinable with other discounts.

Valid now through 7/31/24.

6 Months Everyday Financing** on Purchases of $299 or More.

NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS** on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.

**With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR 17.99%–29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details.

Save Up to $100 Today* on your qualifying purchase when you open a new card. Valid now through 7/31/24. $25 off* your purchase of $25 up to $299 OR $50 off* your purchase of $300 up to $999 OR $100 off* your purchase of $1000 or more.

*Offer is for new accounts, is subject to credit approval and valid now through 7/31/24. This offer is redeemable for either a $25 discount on a single-receipt purchase of $25 up to $299, a $50 discount on a single-receipt purchase of $300 up to $999 or a $100 discount on a single-receipt purchase of $1,000 or more, excluding tax and delivery fees, within 30 days of your account open date at The Home Depot® retail stores or homedepot.com when made with your The Home Depot Consumer Credit Card, The Home Depot Home Improver Card, the Pro Xtra Credit Card, or The Home Depot Commercial Account. Valid in the U.S., U.S.V.I., Puerto Rico and Guam. Offer does not apply to prior purchases, The Home Depot Gift Cards or Certificates, third party gift cards, installation products or services purchased in home, Tool Rental or to Traeger®, Weber®, Bona®, Simplehuman®, Dacor®, Viking®, Fisher & Paykel®, Sharp Insight™, Delonghi®, Buckhaven, Lynx®, Alfresco™, OCI, Marvel®, Bertazzoni, Aga, Vent-A-Hood®, Samsung Chef Collection, Bosch Benchmark® Series, Liebherr, Zephyr, Miele, Signature Kitchen Suite, Jenn-Air®, Thermador®, Jeld-Wen® Door Systems, Monogram products and trade styles. Additional exclusions may apply which will be reflected at checkout. May not be combined with other discounts; ask an Associate for details.

Project Loan

***6 months to purchase everything for your project. Period begins at approval. Fixed low monthly payments with more time to pay and flexibility to pay off any time. See loan agreement for further details. Pay only $20 per month for every $1,000 borrowed. Loan product has four tiers with Term and APR subject to qualifying credit approval: 66 monthly payments at 7.42% APR; 78 monthly payments at 12.86% APR; 90 monthly payments at 16.24% APR; or 114 monthly payments at 19.96% APR. Monthly payments will not exceed $20 per $1000 spent (e.g., $160 per month for an $8000 purchase). APR fixed for the life of the loan. No down payment. Not valid in Puerto Rico, USVI, and Guam. NMLS #1416362.

Pro Xtra Credit Card

Earn Perks 4X faster^ when you join Pro Xtra, register, and use your Pro Xtra Credit Card.

^4X faster does not apply to The Home Depot Commercial Account. 4X faster applies only to the Perks benefit of the Home Depot Commercial Revolving Charge Card. Every $1 spent on your card counts as $4 for purposes of earning Perks. There are minimum spend thresholds and limits to the amount of Perks that you may earn. See The Home Depot Pro Xtra Program Rules at www.homedepot.com/c/ProXtra_TermsandConditions.

Commercial Account

Receive a 2% Early Pay Discount If Invoice Paid Online In 20 Days**** or Get 60 Days To Pay

****2% Early Pay Discount will be applied to the purchase subtotal (excluding sales tax) on invoices paid online within 20 days of the transaction date.

Credit Card Services Support

Consumer Credit Card 1-800-677-0232 Project Loan 1-877-476-3860 Pro Xtra Credit Card 1-800-685-6691 Commercial Account 1-800-395-7363 For TTY: Use 711

The Home Depot Consumer & Commercial Credit Card Services

For consumers and pros alike, Home Depot offers convenient credit card options to extend their purchasing power as well as manage and pay their account. Our Home Depot Consumer Credit Card provides consumers with everyday special financing and longer-term financing during special promotions. It’s perfect for everyday needs like appliances, lighting and fans, paint, tools, lawn and garden maintenance products, and an endless variety of home improvement projects. You can also take advantage of exclusive, Home Depot Consumer Credit Card offers, just for being a cardholder.

If you’re tackling a larger renovation project, like a bath or kitchen makeover, you can get a Home Depot Project Loan with a line of credit of up to $55,000, with up to 84 months to pay it off, and no annual fees.

As a pro, you can maximize your spend and manage your business more effectively with a commercial product tailored to your needs - the Pro Xtra Credit Card or The Home Depot Commercial Account. The Pro Xtra Credit Card offers perks and payment flexibility. Or, choose The Home Depot Commercial Account. You pay the balance in full each month, with the ability to itemize and pay by invoice, and you can issue buyer ID cards with set spending limits and detailed purchase information to key employees.

Whether it’s for home or business, The Home Depot finance and card services team has you covered with a Home Depot Credit Card for our stores or Home Depot loan to help you get the job done.