The Home Depot Consumer Credit Card
Basic Information
Program ID: 014
Issuer: Citibank
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:04
Last Scraped: 01/15/2026 05:17
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 0.00%
Sign-Up Bonus
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Air Travel, 3x Hotels, 3x Restaurants, 3x Supermarkets, 3x Gas Stations
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Flying Blue (Air France/KLM), JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 739
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion
Issuer Rules
Rules: Bonus Eligibility: Applicants are generally ineligible for a new welcome bonus on Program ID 014 if they have received a welcome bonus on any card within the same product family (e.g., ThankYou, Double Cash, etc.) within the last 24 months. This rule applies to both new applications and product changes. Application Velocity: Citibank typically enforces a rule of no more than one new credit card application within an 8-day period, and no more than two new credit card applications within a 65-day period. General Eligibility: Standard creditworthiness criteria apply, including a strong credit score, sufficient income, and a manageable debt-to-income ratio.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across multiple cards, rapid succession of applications and closures, non-organic spending patterns, abuse of return policies, repeated balance transfers without new spend, excessive credit cycling.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.4 / 5.0
Top Positive Feedback:
Excellent for financing large home improvement projects with promotional APRs; frequent exclusive discounts and offers for Home Depot purchases; relatively easy approval process for store loyalists.
Top Negative Feedback:
High standard APR if promotional periods are missed; limited utility and rewards outside of Home Depot; customer service can be inconsistent; can be difficult to manage if not used carefully.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One SavorOne
- Citi Custom Cash Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 90% Store / 10% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: v1.0