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Unlike most charge cards, Home Depot’s Commercial Revolving Charge Card allows you to make payments in increments. On the other hand, the Home Depot Commercial Revolving Charge Card also incurs an APR if you take extra time to pay off your balance. Upon approval of your loan application, you will be provided with an 84-month schedule to pay back your loan. How much you pay will depend on how much you request on top of the card’s fixed 7.99% annual percentage rate . Though this card does not offer a rewards program, it at least waives an annual fee. Furthermore, Home Depot Consumer Credit Card holders can enjoy an additional perk of returning items up to one year after purchase.
The Home Depot provides a number of store credit cards, commercial accounts and project loans to help you finance purchases from its stores. Read all terms and conditions carefully before applying for any credit product and ensure you fully understand any implications to your financial situation and credit profile. Many others earn rewards points that can be redeemed for a gift card. Rewards like these are a nice way to get something of value on your spending and can help make store credit cards worth it.
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Make sure to return these items to the same store where you purchased them. If so, items can be returned for a full refund for up to one year. If you purchased something online and need to return due to an error by the retailer, they will refund your shipping fees as well. The Home Depot Commercial Account Credit Card does not charge an annual fee.
To avoid paying interest, pay off the balance at the end of the month or promotional period. Home Depot offers a credit card for individual consumers, as well as various commercial and contractor cards. If you’re an avid Home Depot shopper, the card may make sense for you. The card does not offer any cash back, but it could be enticing for those interested in the introduction offers currently being made. With that, consumers may want to consider one of the best cash back credit cards if they are going to be shopping at the home improvement store for routine fixes.
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Home Depot does not list the credit requirements, but its APR for consumers will be 17.99% to 26.99% To apply, the process is rather easy, which can be done online. Difference between deferred interest and a true 0% intro APR offer. The former merely "sets aside" interest, while the latter waives it for a period of time. We believe everyone should be able to make financial decisions with confidence. Forbes Advisor adheres to strict editorial integrity standards.
Plus, much like the Revolving Charge Card, the Commercial Account Credit Card also comes with the same fuel rewards program. The Home Depot Project Loan Card operates a little differently than the Consumer Credit Card. As its name suggests, this card allows you to apply for loans that can be used at Home Depot. Cardholders are permitted to apply for a credit line of up to $55,000. The Home Depot, the world’s largest home improvement retailer, is enhancing its commercial credit offerings for Pro Customers and their businesses. The retailer introduced The Pro Xtra™ Credit Card, a new iteration of its Commercial Revolving Charge, as well as updates to its Commercial Account Card.
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In that case, you need to contact home depot.com/mycard without any delay. The Home Depot Project Loan is essentially a card you use to access funds from your credit line issued by Home Depot Loan Services via GreenSky, LLC. The Home Depot card, The Home Depot Commercial Revolving Charge card, and The Home Depot Commercial Account are issued by Citibank. If you decide to apply in person, a Home Depot employee will assist you in submitting your application and walk you through any questions you may have. APR is where prospective cardholders should do some quick math before blindly hopping on board.
In the event that the company defaults on payment, you will be held personally liable for all obligations and amounts due. Quite a few store credit cards are like this, but it's still a notable drawback. You're very limited in terms of where you can use a Home Depot® Credit Card, and it's usually better to have a credit card you can use anywhere you want. PayPal offers two credit card from Synchrony bank, offering cardholders rewards and benefits.
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Use your Home Depot login to access your Home Depot credit card account online and make an electronic payment. After logging in to your account, select “Make a Payment” from the “Payments” menu. If you plan to use your savings account or checking account to pay your bill, then you will need to supply your bank account number and an ABA route number. Also, your Home Depot card can be used online to track your account activity, receive exclusive offers, and activate account alerts.
Then you’ve undoubtedly spent a decent amount of time at home improvement stores like The Home Depot and have probably wondered if its store-branded credit cards are worth it. I agree to receive my legal notices electronically as available. We will send notifications regarding the availability of your legal notices to the email address you provided to us until you contact us to change it.
With deferred interest, if you pay off your purchase in full within the promotional period, no interest will be applied. This card is geared toward individuals who make fairly regular medium-sized purchases and can benefit from special financing. If you choose to receive statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.
Interestingly, Home Depot’s Commercial Account Credit Card works like a regular charge card. This means that it does not have an APR, as cardholders are required to make payments in full for every billing period. But, cardholders can also opt to set payment periods to either 30 days or 60 days.
If you’d like the ability to earn on purchases other than just home improvement, consider rewards-earning credit cards that offer flexible redemption options. Other than the special offers, don’t expect any perks like rewards points or cash back with this card. If you use a credit card responsibly, a card that offers cash back or rewards points might be a better option than a store card unless the promotional offers are appealing to you. The Home Depot Project Loan Card is more similar to a line of credit. It doesn't offer any perks or rewards, but you can borrow up to $55,000 for home projects and renovations.
For purchases of $299 and up, you can choose either the 5% discount or a similar deferred interest offer. Before choosing a Home Depot credit card, consider why you want or need a credit card from Home Depot. If you’re a business owner and need to load up on supplies for a specific building project, one of the Commercial or Pro accounts might provide more benefit to you.
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