Credit Cards | Home Depot Credit Account

Home Depot Credit Account

If you’re like many other Americans, you’ve been looking to upgrade or remodel your home. In fact, according to a February 2014 article in the Wall Street Journal, homeowners spent $130 billion on projects and remodels around the house last year. This was the largest amount since the housing downturn in 2007.With so many people working on their homes, it might be hard to find a contractor or builder to work with. If this is the case, why not do it yourself? Learning how to tackle some basic upgrades around the house is easy, especially with stores like the Home Depot ready to lend a helping hand. With over 2,000 locations across the United States, you’re never far from a Home Depot store and their knowledgeable and friendly employees.

There’s another benefit to using Home Depot as your source for home improvement projects: the Home Depot credit card.

With two credit options available from Home Depot, homeowners have choices when it comes to how to finance their do-it-yourself projects.

More than just a store card, a Home Depot credit card is your key to saving money while getting all of the things that you need to get your house in order.

Home Depot’s consumer credit card is offered through Citibank at Many purchases over $299 made with the card could qualify for Home Depot’s 6-month interest free financing program. Although minimum payment amounts do apply, if paid in full before the end of the 6-month period, the cardholder will incur no interest on the balance. This is perfect for the larger projects that many homeowners face.

In addition to the interest free financing options, the Home Depot credit card often makes special financing offers available to cardholders throughout the year, on a seasonal basis – like on lawn equipment in the spring, for example. The APR on standard purchases made with the card could be as low as 17.99%, based on available credit.

The Home Depot credit card offers online account access for all cardholders. With online access, cardholders can check card balances, view statements, and initiate electronic payments on the card account.

Homeowners interested in applying for the card can do so online, via Home Depot’s website (, or can also apply in person, at a Home Depot store.

If you’re contemplating a more ambitious and extended home improvement project at the Home Depot, you might want to consider another card option the store offers, the Home Depot project loan card.

The Home Depot project loan card is similar to a credit card, but designed so that the amount you spend can be spread out over a longer term with equal monthly payments over the life of the loan.

Offered through GreenSky Trade Credit, the Home Depot project loan card offers a fixed 7.99% APR and allows you a window of up to 6 months to purchase all of the supplies that you need for your project. You make only interest payments during those first 6 months. After that, the balance on your Home Depot project loan card will be amortized with equal payments over 84 months. You have the flexibility to pay the loan off, in full, at any time.

As an example, a project with a loan amount of $20,000 would incur monthly payments of $312, after the 6 month purchasing window was over.

The Home Depot project loan card has no annual fee, and credit lines can be extended up to $40,000, depending on your credit history. Like the Home Depot credit card, the project loan card also offers online access and electronic bill payment for loan customers.

To apply for a Home Depot project loan card, you can visit your local Home Depot store.

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