Credit Cards

Home Depot Consumer Credit Card: Apply Now!

Get the full scoop on how to apply for the Home Depot Consumer Credit Card. Find out who is eligible and how this card stands against other options. Read on!


A Quick Guide to Getting Your Home Depot Consumer Credit Card

Home Depot Consumer Credit Card
Home Depot Consumer Credit Card: Apply Now! Source: Home Depot

If you’re a frequent Home Depot shopper and want to apply for their Consumer Credit Card, you’ve come to the right place.


Credit Card

Home Depot Consumer

Simple Quick

Enjoy no annual fee and zero liability protection – ensure a smooth application!

You will be redirected to another website

Navigate the application in simple steps, along with important information about its requirements and benefits. Let’s get started!

Apply online

The first step to securing your Home Depot Consumer Credit Card is to apply online. To qualify, you’ll need a minimum credit score of 640.

Keep in mind that the card issuer considers not only your credit score but also factors like income, employment status, debt, and payment history.


Before diving into the application process, make sure you meet these basic requirements:

  • Be at least 18 years old;
  • Reside in the United States;
  • Possess a credit score of at least 640.

Personal and Financial Information

When applying online, visit the Home Depot website and complete the application form.

It’s a straightforward process, and the form guides you through each step.

So, be prepared to provide your personal information and financial details, which align with the previously mentioned requirements.

Instant Approval

Upon completing the application, you’ll receive an instant approval response.

If you get positive feedback, you’ll be granted a credit limit of at least $300.

Expect your physical card to arrive by mail within 7 to 10 business days.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Apply using the app

Home Depot Consumer Credit Card
Apply using the app. Source: Home Depot

You can’t apply for the Home Depot Consumer Credit Card through the mobile app.

However, you can easily follow the same steps outlined above by visiting the Home Depot website using your mobile browser.

Home Depot Consumer Credit Card vs. Macy’s Credit Card

The Home Depot Consumer Credit Card is tailored to home repair and renovations.

It offers 0% interest for 6 months on purchases over $299 and special financing options for larger purchases.

On the other hand, Macy’s Credit Card offers rewards points to redeem for future purchases, exclusive discounts, and free shipping on Macy’s products.

It may be worth considering which rewards and benefits would be most beneficial for your specific needs and spending habits.

Home Depot Consumer Credit Card

  • Credit Score: 640 or higher.
  • Annual Fee: $0.
  • Purchase APR: Variable, ranging from 17.99% to 26.99%.
  • Cash Advance APR: Not applicable.
  • Welcome Bonus: None.
  • Rewards: None.

Macy’s Credit Card

  • Credit Score: Good-Excellent;
  • Annual Fee: $0;
  • Purchase APR: 31.99% (Variable);
  • Cash Advance APR: 31.99% (Variable);
  • Welcome Bonus: 20% off on your $100 on purchases in the first two days of account;
  • Rewards: 3 % back in rewards at restaurants (delivery included), 2% at gas stations and supermarkets, and 1% in everything else.

Furthermore, discover how to apply for a Macy’s Credit Card below.

Macy's Credit Card

Macy's Credit Card: Quick and Easy Way to Apply

Learn to apply for Macy's Credit Card, enjoy exclusive perks, and compare it with Torrid for smart shopping choices. Keep reading!

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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