In a world of cookie-cutter experiences, Home Depot celebrates the confluence of DIY projects and prefabricated products. Unlock the Home Depot credit card discounts and score up to $100 off on all your impending home improvement plans, today!
Home Depot Credit Card Deals
All Products and Categories
Redeemable online as well as in-stores
Min. order value required is $299
For new and old users
Home Decor, Furniture, Appliances & more
Valid only for new users
Limited Time Deal
*Also Read: Kohl’s Credit Card Discounts 2020
Home Depot helps you achieve your dream house with its unique financing options and services. Before investing in a living space with a Home Depot credit card, get abreast of the benefits and perks that come with it.
On your first purchase using the Home Depot credit card, a new cardholder gets $25 off on a minimum order value of $999. You can also avail $100 off on a purchase of $1000 or more within 30 days of opening the Consumer credit card.
If you wish to refurbish or remodel a huge chunk of your house, the Home Depot Project Loan Card allows cardholders to take a loan of up to $55,000 for big improvement projects at a relatively low APR of 7.99% for up to 84 months.
For purchases of $299 or more, no interest is charged if the balance is paid in full within 6 months
Don’t like the coffee table even after a few months of purchase? Return it! Home Depot credit card users get the perk of hassle-free returns within a year (four times longer than the usual return period at Home Depot).
Accessible for applicants with fair credit
$0 annual fee
Account alerts when purchases are made or when payments are due
No interest for 60 days on all purchases
Save 10 cents per gallon for every $100 spent via Fuel Rewards
*Also Read: Bed Bath & Beyond Credit Card Deals 2020
Before solidifying any decisions about buying a Home Depot credit card, you might want to know some terms and conditions. Skim through the information Zoutons has consolidated below:
With the financing plans available, if you make a late payment or fail to pay off the entire balance by the due date you’ll lose the deferred interest plan and will be charged interest for the entire period of the loan. You can be charged interest for the entire period of the loan, even if you’re only a month or two into your payments.
The variable interest rate depends on your credit score but the rate lingers at a heavier end of the interest spectrum.
Not all users wish to take a loan for home improvement projects and need discounts on their everyday purchases. As a cardholder, you won’t benefit from your frequent trips to the Home Depot store since they do not provide any exclusive discounts and rewards.
If you fail to pay off the entire balance before the six-month period expires, you'll have to pay all of the interest that accumulated during that time on the entire original balance. This means you will be paying interest even on the portion of your debt that you already paid off. The policy of the promotional period is different than regular credit cards that offer 0% APR for a few months and extract interest only on the leftover balance.
This card can only be used at a Home Depot store or website making it impractical for everyday purchases, since one does not visit Home Depot everyday.
*Checkout this Best Buy Credit Card Review
Home Depot gives four alternatives to its users according to their home improvement needs.
This card is suitable for individual users who occasionally invest in home improvement solutions. Unlike the Best Buy credit card that offers 5% back in rewards, Home Depot credit card does not have a reward system in place. Instead, you get exclusive financing deals on select purchases with a minimum order amount of $299.
Handle any home improvement project when you get a loan of up to $55,000 at a fixed rate of 7.99% APR and 84 months to pay with Project Loan Credit card. This card is a life saver for anyone who needs immediate funds for a large project.
*Also Read: Wayfair Credit Card Deals 2020
If you are a contractor or a commercial builder, you can get an extra mile of savings with this Home Depot credit card because you get automatic membership to the Pro Xtra program, a deferred interest plan and online account management. This card is ideal for firms and contractors with huge investment projects.
Business and commercial builders can open a new Home Depot Commercial Revolving or Commercial Account credit card to save up to $100 on your first purchase of $1000 or more.
Redeemable on all products and categories
This is an exclusive deal for all Home Depot credit card holders
Free shipping is also available on this deal
Credible on orders made via :
Applicable by new and old users
Cannot be merged with other Home Depot credit card discounts
No requirement of any Home Depot promo code
Discount could vary as per different categories:
From Orders Worth $25 - $299
From $300 - $999
Avail $50 Off
Get $100 Off
Shop for $299 or above to activate this deal
Applicable on all products and categories
Valid for all users equally
Make your payments using:
-Home Depot Credit Card
Financing can be done via several times per cardholder
-Interest shall not be charged if the value is paid in the 6 months purchase
Redeemable on online and In-store orders
No Home Depot is mandated at the checkout page
Can be availed with other Home Depot credit card discounts
*Also Read: Target August Coupons and Deals 2020
Valid for new as well as old users
No restriction on minimum cart amount
Unlock free shipping on orders worth $45
This deal can be redeemed online and in-store purchases
Applicable on all products & Categories:
-Home Decor Items
-Appliances and many more
No need of any Home Depot credit card discounts code
Payment modes available:
-Home Depot credit cards
Can be merged with other running deals to score higher savings
Discount details are as follows:
Home & decor
Save Up To 70% Discount
Storage & Bath products
Get Max. 45% Rebate
Avail 35% Off
Instant Up To 70% Off
Home Depot Credit Card discounts can be redeemed by all users
Minimum transaction amount is not compulsory
Discount could vary as per different categories
Valid on the following products:
-Shoe Storage Baskets and many more
This is an online exclusive deal
Use it with other exclusive Home Depot coupons and deals
Shop for $45 and above to score free shipping on your orders
Home Depot promo code is not needed
Place your order via Home Depot app or website
No restrictions on minimum cart value
Redeemable by new and old users
All modes of payment options are available
Home Depot coupon code is not required at the checkout page
Can be clubbed with prevailing Home Depot credit card discounts
Following are the items under this deal:
Bath Vanity with Top
Avail 25% Discount
Flat 40% Off
*Also Read: Home Depot Deals of the day
Both the Lowe's Advantage Card and the Home Depot Consumer Credit Card can be a helping hand for their frequent store visitors since they offer great continuous financing options for loyal users. You can get special zero percent deferred interest financing on purchases in both the stores so long as you pay it off in full within six months.
With a reward program that gives 5% off on everyday purchases and special promotions throughout the year, Lowes credit card is a very tough competitor to Home Depot credit cards. Moreover, the Lowe’s Advantage Card comes with more low-interest special financing options for big projects and a sign-up bonus that’s slightly easier to achieve.
While these companies retail similar products, there are some significant differences between their credit cards. Let’s weigh both the cards better:
Lowe’s Credit Card
Home Depot Credit Card
5% off on every purchase
Varies from 17.99% - 26.99%
Up to $100 off on a purchase of $1,000+ within 30 days of account opening
Ultimately, the debate between the Lowe’s and Home Depot credit card comes down to where you shop. Although consumers with good credit can get a much more favorable interest rate from Home Depot. The Lowe’s Advantage Card is a better alternative for obtaining discounts than for financing home improvement projects.
*Recommended Reading: Kohl’s gift Card Discounts 2020
The Home Depot credit cards can only be used at their website or offline stores.
Home Depot credit cards require a Fair to Better credit score of 640 or above.
Anyone can apply for the card online via the Home Depot website or in any offline store.
Online applications for the Home Depot credit card usually get approved instantly. However, in rare cases, they hold the approval/disapproval for up to 14 days. After the application, you will either receive a new card in the mail or a rejection letter within two weeks of submitting an application.
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