The Home Depot Consumer Credit Card

Citibank Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: 014

Issuer: Citibank

Card Name: The Home Depot Consumer Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:04

Last Scraped: Feb 13, 2026 14:27

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Citibank, N.A. offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active duty service members, spouses, and dependents.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Reward Type: ThankYou Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Air Travel, 3x Hotels, 3x Restaurants, 3x Supermarkets, 3x Gas Stations

Quarterly Rotating: No

Expiration Policy: ThankYou Points do not expire as long as your account is open and in good standing. If your account is closed, points typically expire 60 days after account closure.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France-KLM), JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards

Redemption Penalties: Cash back redemptions may yield a lower value (e.g., 0.5 cents per point) compared to travel or gift card redemptions.

Benefits & Protections (Detailed) 5 Total
PENDING
Business Management 2
Itemized Purchase Tracking
Itemized statements by job/employee

The card provides detailed, itemized billing statements that allow businesses to track purchases by specific job or employee, simplifying expense management and reconciliation.

Authorized User Controls
Customizable spending limits for authorized users

Businesses can issue additional cards to authorized employees or users and set customizable spending limits for each individual cardholder, enhancing control over business expenditures.

Business Savings 1
Pro Xtra Program Access
Access to Pro Xtra program benefits

Linking the Home Depot Commercial Revolving Charge Card to a Pro Xtra account grants access to exclusive Pro Xtra benefits, including volume pricing, paint rewards, exclusive offers, and purchase tracking.

Convenience 1
24/7 Online Account Management
24/7 online access

Cardholders have access to an online portal available 24 hours a day, 7 days a week, to manage their account, view statements, make payments, and monitor activity.

Financial Flexibility 1
Extended Payment Terms
60 days to pay

Cardholders receive 60 days to pay for purchases made with the Home Depot Commercial Revolving Charge Card, providing extended financial flexibility for business expenses.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

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: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6, 12 or 18 months, as applicable. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Supported
Application Process
Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the welcome bonus on the '014' card is restricted to new cardmembers who have not received a bonus for any card within the '014' product family in the past 24 months. Standard Citibank application velocity rules apply: applicants are generally limited to one new credit card approval every 8 days and no more than two new credit card approvals every 65 days across all Citibank products. Approval is subject to creditworthiness, including credit score, income, and existing credit relationships with Citibank.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, rapid application for multiple cards, unusual spending patterns inconsistent with declared income, defaulting on payments, or excessive credit limit increase requests.

Cliff Effect Rules: The 24-month bonus eligibility rule is a 'card family' rule. This means that if a cardmember has received a welcome bonus on any card product within the '014' family (e.g., a variant, upgrade, or downgrade path of the '014' card), they must wait 24 months from the date that bonus was earned before becoming eligible for a new welcome bonus on any other card within that same '014' family.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Users appreciate the special financing offers on large purchases, the 5% discount on eligible purchases, and the convenience for frequent Home Depot shoppers. Easy application process and quick access to credit for home improvement projects are also frequently mentioned.

Top Negative:
Common complaints include high standard APR after promotional periods, limited utility outside of Home Depot stores, and occasional issues with customer service or understanding financing terms. Some users also desire more robust rewards programs.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Chase Freedom Unlimited
  • Citi Custom Cash Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0