To get a Home Depot® Consumer Credit Card, you must have at least a fair credit score (above 580). You must also be over 18, have proof of income, be a U.S. citizen or permanent resident, have a valid address, and a valid Social Security Number.

You can only use your Home Depot® Consumer Credit Card at Home Depot stores and at the Home Depot website. This is a store card that is not branded by any payments company (such as Visa or Mastercard). Therefore, you cannot make purchases anywhere else.

All new cardholders will get at least a $300 starting spending limit. The actual amount depends on a series of key data points such as your overall creditworthiness and annual income. That said, you can increase your initial credit limit by making on time payments and updating the financial report Home Depot has on your file.

Yes, the Home Depot® Consumer Credit Card reports all monthly payments to the three main credit bureaus in the country just a few days after a cardholder’s monthly billing period. That means that using this card responsibly can actually improve your credit score over time.