The Home Depot® Consumer Credit Card

Last updated Jun 12, 2026

Typically needs good credit (guideline, not a guarantee)

Watch out

Deferred-interest financing. "No interest if paid in full" promotions here are deferred interest, not a true 0% APR: interest accrues from the purchase date on the full balance and is charged retroactively if any balance remains when the promo ends. Treat the regular APR as the real cost.

Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.

Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.

Card shape

What this card delivers across six value dimensions (0–100, normalized).

No lounge access.

*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it

What is the annual fee for the The Home Depot® Consumer Credit Card?

The The Home Depot® Consumer Credit Card has no annual fee.

Does the The Home Depot® Consumer Credit Card have airport lounge access?

No — the The Home Depot® Consumer Credit Card does not include airport lounge access.

Does the The Home Depot® Consumer Credit Card have a foreign transaction fee?

No — the The Home Depot® Consumer Credit Card has no foreign transaction fee, so it's a good card to use abroad.

What is the APR on the The Home Depot® Consumer Credit Card?

The The Home Depot® Consumer Credit Card has a purchase APR of 17.99%–29.99% variable.