The Home Depot Credit Card

Citibank Pending

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3

Benefits

0

Reward Categories

—

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: 001

Issuer: Citibank

Card Name: The Home Depot Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:55

Last Scraped: Feb 13, 2026 14:23

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
Special Financing Offers
Varies by promotion (e.g., 6 months special financing on purchases of $299 or more)

Cardholders can take advantage of special financing promotions on qualifying purchases made at The Home Depot. These offers typically involve deferred interest if the promotional balance is paid in full within a specified promotional period.

Receipt-Free Returns

Purchases made with The Home Depot Credit Card are automatically linked to the account, allowing cardholders to return items without needing the original paper receipt.

Exclusive Cardholder Savings
Varies by offer

Cardholders receive access to exclusive discounts, promotions, and special offers available only to The Home Depot Credit Card members.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$25

Cash Back

Requirement: Spend $25

Timing: Applied at point of sale for first qualifying purchase.

Expires: Mar 31, 2026

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 31.99% - 31.99%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Deferred Interest: No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 6 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payments are required. The regular APR for purchases applies. See your credit card agreement for more details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Applicants are eligible for the welcome bonus only if they have not received a bonus for any card within the '001' family (or its equivalent product line) in the past 24 months. This rule applies even if the previous card account was closed. Citibank generally limits new card applications to one every 8 days and no more than two within a 65-day period. Approval is subject to creditworthiness, existing relationship with Citibank, and overall credit profile.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Citibank products, rapid application velocity, frequent balance transfers without new organic spend, suspected credit cycling, or non-organic spending patterns.

Cliff Effect Rules: The 24-month rule applies to the '001' card family, meaning a welcome bonus cannot be earned if a bonus on any card within the same product family (e.g., cards earning the same type of rewards currency or sharing core benefits) was received within the last 24 months. This rule is strictly enforced and applies even if the previous card account is closed.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for Home Depot loyalists, special financing offers, and discounts on store purchases.

Top Negative:
High APR, limited rewards outside Home Depot, and occasional customer service complaints.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Amazon Prime Rewards Visa Signature
  • Chase Freedom Flex

Card Value Score: 65.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0