Home Depot Credit Card Discount 2021 (July Edition): Save Up To $100 On Tools, Furniture, Appliances & More

Posted in
Home Appliances
home decor

By Kanu Chadha - Digital Content Editor Jul 07 2021 Share this blog

Refurbish your homely abode at a fraction of the budget by availing the Home Depot Credit Card Discount July 2021. Coming at you with a virtuous $100 off on all orders you simply cannot afford to miss out this lucrative Home Depot offer.

Home Depot Credit Card Discount 2021 | 100% Verified

Home Depot Credit Card Discounts

Coupon Details

Coupon Validity

Up To $100 Off For New Users

Get Now


6 Months Financing At 0% Interest Rate
Unlock Now

Recommended Reading: Kohl's Credit Card Discount  

Home Depot Coupons & Deals 2021 | Trending Today

Home Depot Coupons Today

Activate Discount


Up To 50% Off | Spring Savings

Order Now


Home Decor Sale : 40% Off

View Deal


Smart Home Savings| Up to 50% OFF

Shop Now


Save 40% On Kitchen Essentials

Get Discount


Check out: Home Depot In Store Coupons 2021 

Home Depot Credit Card Discount 2021 | Top Categories

                              Kitchen                               Home Decor

Home Depot Credit Card Discount & Offers 2021 | Active Now

1. Up To $100 Discount For New Users

Sign up for the Home Depot Credit Card today to unlock savings of up to $100 on your first purchase. This deal is only redeemable by new users.

Home Depot Credit Card Discount
Minimum Order Value
Save $25
$299 Order Value
Get $50 Off
Up To $999 Order Value
Flat $100 Discount
Orders Above $1000
  • Redeemable by new cardholders only
  • Home Depot Coupon Code is not needed
  • Accessible online and in-stores
Also Read: Home Depot Military Discount 2021

2. 6 Months Financing At 0% Interest

Now make a payment over a course of 6 months with your Home Depot Credit Card to unlock 0% interest rate financing. 

  • Applicable to all categories at Home Depot
  • Redeemable only by Home Depot credit cardholders
  • Minimum order value must be $299
  • Save on online as well as in-store purchases
Also Read: Home Depot Online Coupons 2021

Home Depot Credit Card Discount 2021 | Benefits & Rewards

Home Depot credit card lets you create your dream house with its 0% interest financing options and services. Prior to investing in your living space with a Home Depot credit card, it is prudent to get familiar with the benefits and perks that come along with it. 

Home Depot coupons

Home Depot Credit Card Perks

  • New cardholder discount - On your first purchase using the Home Depot credit card, you’re eligible for a $25 off on a minimum cart value of $999. You can redeem $100 off on a purchase value of $1000 or more within 30 days of being registered as a Home Depot credit card member.

  • Access to special financing offers - Planning to refurbish or remodel a chunk of your house? Home Depot loans up to $55000 to cardholders for big improvement projects at a fairly low APR of 17.99.

  • 0% deferred interest on Home Depot purchases for 6 to 24 months - On purchase of $299 or more, no interest is charged if the balance is settled in full within 6 months.

  • Extended return period policy - Don’t like the coffee table you bought at Home Depot a few months before? You can return it! Home Depot credit card users can avail of hassle-free returns within a year (4 times longer than the usual return period for common Home Depot shoppers).

  • Other perks - $0 annual fee | 0 interest for 60 days on all purchases | Savings worth 10 cents per gallon on every $100 spent via Fuel Rewards

How To Apply For Home Depot Credit Cards?

  • Visit the “Credit Center” section of the Home Depot website.
  • Scroll down to the credit card you wish to apply for.
  • Click on the “Apply Now” button to start your application
  • Fill out the details for your Home Depot credit card application.
  • Review and agree to the credit card terms at the bottom.
  • Click on the “Submit Application" button to finish the process.

* Note: Home Depot Credit Cards are not subject to any annual fee.

Home Depot Credit Card Discount 2021 | Types Available 

1. Consumer Credit Card 

Home Depot Consumer Credit Card is viable for individuals who from time to time invest in home improvement solutions. Contrary to Best Buy's credit card offers 5% back in rewards, Home Depot's credit card does not have a reward system in place. Instead, users can avail of special financing deals on select purchases with a minimum cart amount of $299.

2. Project Loan Credit Card

Home Depot Project Loan Credit Card is feasible to work up any home improvement plans; for they dole out loans tallying up to $55000 at a fixed rate of 7.99% APR and 84 months to settle the dues. Project Loan Credit Card is a lifesaver for anyone who is in dire need of immediate funding for a sizable project. 

3. Commercial Revolving Credit Card

Score an extra mile of savings with Home Depot Commercial Revolving Credit Card; essentially curated for contractors and commercial builders having big investment projects. Vile an automatic membership to the Pro Xtra program - a deferred interest plan and online account management.

4. Commercial Account Credit Card

Home Depot Commercial Account Credit Card is an ideal pick for business and commercial builders. Open a new Home Depot credit card account now and snag savings up to $100 on your first purchase of $1000 and more.

Home Depot Credit Card Discount 2021 | Additional Info

Home Depot Credit Card Score

Users will need a credit score of 640 or higher to be approved for a Home Depot Credit Card, which means that they need to have a fair credit score to become eligible for this purchase.

Home Depot Credit Card Login

Customers must have a Home Depot account to be eligible for signing up for a Home Depot Credit Card. Once signed in, users can choose a credit card of their choice and proceed to file an application. Keep in mind, Home Depot Credit Cards are subject to credit approvals, as mentioned above.

Home Depot Credit Card Customer Service

Each credit card has its own customer service number that users can call directly to get started. Check out the necessary details below:

Home Depot Credit Card Type
Customer Service Number
Consumer Credit Card
Project Loan Credit Card
Commercial Revolving Charge Card

Commercial Account Card

Home Depot Credit Card vs Lowe’s Credit Card 

Both Home Depot Credit Card and Lowe's Advantage Card offer substantial savings; however, let’s weigh in on both the cards to conclude which card shoppers can use to their advantage when planning home renovations. 

Home Depot discount coupon


Home Depot Credit Card

Lowe’s Advantage Card

Annual Fee



Welcome Bonus

Snag savings of $100 on select purchases

Save 10% up to $100 on qualifying purchases

Regular APR

17.99 to 26.99% variable

26.99% variable


No discount; but rotating limited time offers on varied products & services

5% off eligible purchases

Project Financing

Up to 24 months during special promotions, minimum purchase restrictions may apply

The special fixed-rate interest offers for 36, 60, and 84 months on purchase value amounting to $2000 or more

The best home improvement store card catering to your needs is contingent on the benefits you’re looking for in a credit card. Overall, Lowe's Advantage Card doles out the best everyday discount at 5%, but Home Depot Credit Card offers rotating discounts on eligible purchases that can account for over 10%. Hence, it is advisable to review current offers while opting for home improvement cards. 

Home Depot Coupons 2021| July Edition

Here's a brief list of Home Depot coupons and promo codes that you can avail on all your future orders. Glance through it quickly and pick the one you like to get started.

Home Depot Deals/Discounts
Home Depot Summer Sale
Up to  30% OFF
Home Depot Windows & Portable AC's 
Available upwards of $149
Select Tools
Redeem up to $120 savings
Home Depot Bathing Essentials
Avail 40% Off


Home Depot Credit Card Deals | FAQs

Where can I use a Home Depot credit card? 

Home Depot credit card benefits can be unlocked only on their website and offline stores. Customers can also head to Zouton to redeem the discount. 

What credit score is mandated to file for a Home Depot credit card? 

Shoppers looking to bag Home Depot credit cards require a fair to better credit score of 640 or above for approval. 

How long does it take for a Home Depot credit card to get approved? 

Online applications for the Home Depot credit cards are typically approved that very moment. However, they are entitled to hold the applications for approval/disapproval for up to 14 days. You will receive a new Home Depot card in the mail or a rejection letter within two weeks of filing the application. 

Where can I find all the top trending Home Depot Credit Card Discounts?

Home Depot Discounts can be availed via Home Depot app/website. Though, you can also head to Zouton to avail all the top trending Home Depot credit card deals July 2021.


Not a dicky bird must come between you and your home revamping plans, not even your wallet! This July refurbish your home to your heart's content by deploying the Home Depot Credit Card Discounts July 2021 and snag up transcending savings on all your Home Depot orders!