Citi · Store card (closed-loop, no network — usable only at The Home Depot stores and homedepot.com); commercial revolving charge card · business
Pro Xtra Credit Card (The Home Depot® Pro Xtra Credit Card)
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Home improvement | 4x | uncapped |
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Non-cash perks
- Automatic Pro Xtra loyalty program enrollment/registration
- Extended 1-year return window
- Itemized billing statements for business expense/accounting tracking
- Ability to issue cards to employees for business spend tracking
- Special financing: 6 months on purchases $299+, 12 months on $399+, 36 months at 3.99% APR on $1,599+ (deferred/promotional interest, subject to credit approval)
- $0 liability on unauthorized charges
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. Spot an error? Tell us.