All You Need to Know about the Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card is one of many store cards supported by Tally. We believe in separating the burden of credit cards from the benefits. Tally lets you use the Home Depot Consumer Credit Card without worrying about high interest rates or late fees.

About the card

The Home Depot Consumer Credit Card can only be used on purchases at Home Depot. The card is issued by Citibank and offers different financing options. If you plan on making a large purchase, this card provides financing options based on the price of the purchase. The card has limited rewards available for users who pay their balance in full each month.

How the Home Depot Consumer Credit Card works

After being approved for a Home Depot Consumer Credit Card, you get up to 24 months of financing, depending on the price of your purchase. If you’re a frequent shopper, this card offers some flexibility when paying off expensive items. The card is effective on purchases that pay for themselves over time (like tools for a contracting business) because the interest can be significant if you don’t paying off your balance.

With Tally you will only have one bill to pay

Benefits and rewards

The length of your financing period depends on the size of your purchase. You get 24 months of financing for purchases of $5,000 or more; 12 months for purchases of $1,000-$5,000; and 6 months for $299-$999. You also get up to a year to return a product. Plus, Home Depot regularly runs promotions to encourage you to finance purchases with the card.

Costs and fees

If your card balance is not paid off by the end of the financing period, interest is accessed from the purchase date. The card APR is between 17.99% and 26.99% depending on creditworthiness, and there is no annual fee.

How Tally can help

The Home Depot Consumer Credit Card offers great savings and benefits, but the high APR (17.99%-26.99%) can wipe out your discounts if you don’t pay your balance in full every month. And if you don’t pay back the entire purchase balance in full by the end of the term, you’ll be charged interest going all the way back to the purchase date. To maximize your savings, scan your Home Depot Consumer Credit Card when you sign up for Tally and let us handle the rest. Tally is the fastest and easiest way to eliminate credit card debt. We give you a Tally line of credit at a lower APR, so you can pay off your balances faster, and we make sure all of the cards you register with Tally are paid on time and in the way that saves you the most money.

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Frequently Asked Questions

How do I get a Home Depot Consumer Credit Card?

Apply for the Home Depot Consumer Credit Card at homedepot.com.

Where can I use the Home Depot Consumer Credit Card?

The Home Depot Consumer Credit Card can only be used at Home Depot.

Who do I contact about Home Depot Consumer Credit Card?

Contact Home Depot Credit Services at (800) 677-0232.

Looking for information about the Home Depot Project Loan Card?

The Home Depot Project Loan Card is for people planning an expensive project who want to finance some of the costs. Learn more about this card here.

More Information

Learn more about these Store Cards

Easily manage your Home Depot Consumer Credit Card with Tally

Tally is the fastest way to debt-free, making it easier to save money, manage credit cards and pay down balances faster.

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