Citi · Store card (closed-loop, no network — usable only at The Home Depot stores and homedepot.com)
The Home Depot® Consumer Credit Card
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Non-cash perks
- 1-year return window (longer than Home Depot's standard 90-day window)
- $0 liability on unauthorized charges
- Special financing: 6 months no-interest on purchases of $299+ (deferred interest — interest charged retroactively from the purchase date if not paid in full within the promo period)
- Up to 24-month special financing during promotional periods throughout the year (deferred interest)
- Choose your own monthly payment due date
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.citi.com · upgradedpoints.com. Spot an error? Tell us.