Home Depot® Consumer Credit Card review
Are you in the market for a new credit card? Check out the Home Depot® Consumer Credit Card and see how it can help you save on your next home improvement project.
Home Depot® Consumer Credit Card: Get 6 months of financing in projects over $299!
The Home Depot® Consumer Credit Card is a great choice for those who are looking to finance home improvement projects.
In this Consumer Credit Card review, we’ll look over some of this card’s perks and benefits.
The card offers a variety of advantages to Home Depot customers. That includes special financing options, exclusive promotions and discounts.
One of the most appealing features of the Home Depot® Consumer Credit Card is its special financing options.
Home Depot offers up to 6 months of deferred interest on purchases over $299 and up to 24 months on select products during special promotions.
- Credit Score: You can apply for the Home Depot® Consumer even with fair credit.
- APR: You can qualify for a 0% intro APR of 6 to 12 months. A standard variable APR between 17.99% – 26.99% applies after that period.
- Annual Fee: There are no annual fee charges to this card.
- Fees: Max late fee up to $40.
- Welcome bonus: No current offer.
- Rewards: This card has no rewards program available at the moment.
The card offers extra benefits such as one year to make returns, Zero liability on unauthorized charges and pre-qualification with only a soft pull.
So if you’re thinking about doing some home improvements, this card might be just what you need.
Keep reading our Home Depot® Consumer Credit Card review below to learn more about it!
Home Depot® Consumer Credit Card: how does it work?
The Home Depot® Consumer Credit Card is a great way to save money on Home Depot purchases.
With no annual fee and access to special financing offers, you can get the products you need at a great price.
The card offers qualification for a 0% APR period between 6 and 12 months based on your creditworthiness.
After that period, the standard APR varies between 17.99% and 26.99%. Your credit limit will also be based on creditworthiness.
When you make Home Depot purchases using your Home Depot® Consumer Credit Card, you’ll get special discounts and promotions that are only available to Home Depot credit cardholders.
Moreover, all Home Depot purchases made with this credit card are eligible for promotional financing offers, like deferred interest and no-interest periods.
You can also use your Consumer Credit Card to purchase items online at HomeDepot.com.
Of, if you’d rather, in store at Home Depot locations across the US. Home Depot also offers several other payment options, so you can choose the one that works best for you.
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Significant benefits and disadvantages you may find
This card is best for Home Depot consumers who frequently purchase home improvement and products at their stores. However, it does come with a couple of lowlights. Check the pros and cons below.
- The Consumer Credit Card charges no annual fee;
- 6 to 12 months of 0% APR on purchases;
- Card members have 1 year to make product returns;
- Offers pre-qualification with only a soft pull;
- Reports monthly payments to credit bureaus.
- The financing period only offers deferred interest. That means that if you fail to make the payments in full by the time it ends, you’ll pay all interest accrued since the day of your purchase;
- High variable APR;
- The Home Depot® Consumer Card offers no rewards on purchases.
Is a good credit score required for applicants?
You can pre-qualify for the card and get approved even if you have a fair credit score.
However, Home Depot will review your credit history and other factors before deciding whether or not to approve you for the card.
These factors could include payment history, overall length of credit history, and other information obtained from your credit report.
Learn how to apply and get a Home Depot® Consumer Credit Card
Applying for the Home Depot® Consumer Credit Card is simple, and you can do it online.
Check the link below to learn more details about the application process.
We’ll show you how you can easily get this card within a few minutes.
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