Retail card · Citi
The Home Depot Consumer Credit Card
The Home Depot Consumer Credit Card is the card for Home Depot shoppers: special financing on purchases of $299 or more, with no annual fee as of 2026.
Card facts
| Issuer | Citi |
|---|---|
| Network | Mastercard |
| Type | Retail |
| Annual fee | No annual fee (as of 2026) |
| Rewards | No points or cash back program — this card offers special financing on purchases of $299 or more. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
No points or cash back program — this card offers special financing on purchases of $299 or more.
Who it is built for
Built for homeowners and contractors who shop at Home Depot.
Current details — visit the official The Home Depot Consumer Credit Card page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Citi
Other cards from the same issuer in this library.
- Bloomingdale's Credit Card · Retail · No annual fee (as of 2026)
- Citi AAdvantage Business · Business · $95 (as of 2026)
- Citi AAdvantage Executive World Legend Mastercard · Airline · $595 (as of 2026)
- Citi AAdvantage MileUp · Airline · No annual fee (as of 2026)
- Citi AAdvantage Platinum Select · Airline · $99 (as of 2026)
- Citi Custom Cash · Cash Back · No annual fee (as of 2026)
More Retail cards
Amazon Prime Visa
5% back at Amazon and Whole Foods Market for Prime members, 2% back at restaurants, gas stations and on local transit and commuting, and 1% back on everything else.
Amazon Store Card
5% back at Amazon for Prime members (3% back for non-members), in the form of a statement credit.
BJ's One+ Mastercard
5% cash back at BJ's, 2% cash back on dining and gas, and 1% cash back on everything else.
Bloomingdale's Credit Card
3% back in rewards at Bloomingdale's, 2% back at restaurants, and 1% back on everything else.
Frequently asked questions
What is the The Home Depot Consumer Credit Card?
The Home Depot Consumer Credit Card is the card for Home Depot shoppers: special financing on purchases of $299 or more, with no annual fee as of 2026.
Does the The Home Depot Consumer Credit Card have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the The Home Depot Consumer Credit Card earn?
No points or cash back program — this card offers special financing on purchases of $299 or more.
Who issues the The Home Depot Consumer Credit Card?
The The Home Depot Consumer Credit Card is issued by Citi and runs on the Mastercard network.
Sources
- https://www.homedepot.com/c/credit-center — Home Depot's card page
- https://www.citi.com/credit-cards — Issuer's card list
Page last updated 14 November 2026.