80,000 Miles
Worth $800
After you spend $3,500 on purchases on your new card in your first 4 months of card membership.
- 2%American Air
- 2%Dining
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent
Citi
The Home Depot® Consumer
Designed specifically for frequent Home Depot shoppers, this card focuses on project financing options and extended return policies rather than standard rewards. It functions best as a dedicated tool for major home renovation expenses rather than an everyday credit card.
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Home improvement projects
All information about The Home Depot® Consumer has been collected independently by MaxRewards. The Home Depot® Consumer is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is The Home Depot® Consumer worth it?
This card is great for...
Major home renovation financing
Extended product return timelines
Dedicated Home Depot purchases
For homeowners tackling major renovation projects, this card provides practical value through store-specific conveniences. Its key feature is a extended one-year return window on purchases made at Home Depot, which gives extra peace of mind when buying materials in bulk or testing fixtures for a project.
However, because the card earns no ongoing cash back or rewards on purchases, it offers limited value outside of project planning. Shoppers who do not require special store financing or an extended return window will earn significantly more value by placing their Home Depot purchases on a flat-rate cash-back credit card instead.
MaxRewards Verdict
This card is a helpful store tool for frequent Home Depot shoppers needing extra return time, but the lack of rewards earning limits its broader appeal.
Benefits
More Benefits
1-Year Hassle-Free Returns
credited back to your The Home Depot Credit Card.
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Citi
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75,000 Points
Worth $750
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
- 12%Car Rental (cititravel.com)
- 12%Entertainment (cititravel.com)
- 12%Hotel (cititravel.com)
Annual Fee
$595
Rec. Credit
Excellent
65,000 Miles
Worth $650
After you spend $4,000 on purchases on your new card in your first 4 months of card membership.
- 2%American Air
- 2%Car Rental
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent