What Credit Cards Does Home Depot Accept?

Home Depot, a leading home improvement retailer, offers a wide variety of ways for customers to pay for their purchases. This article provides a comprehensive guide on the types of credit cards that Home Depot accepts, both in-store and online, along with special financing options and benefits offered by Home Depot’s own branded credit cards.

KEY TAKEAWAYS

Home Depot accepts all four major credit cards: Visa, MasterCard, American Express, and Discover. They also offer their own branded credit cards, including the Home Depot Consumer Credit Card and the Home Depot Commercial Revolving Charge Card. Additionally, they accept cash, gift cards, PayPal, and Samsung Pay, but do not currently support Apple Pay or Google Pay.

Major Credit Cards Accepted

Home Depot accepts credit and debit cards from all four major networks: Visa, MasterCard, American Express, and Discover. This means customers can use their preferred credit card type for any purchase, whether they’re buying a new power drill or a load of lumber for their next DIY project.

Home Depot Branded Credit Cards

In addition to the major credit cards, Home Depot offers their own branded credit cards: the Home Depot Consumer Credit Card and the Home Depot Commercial Revolving Charge Card. These cards offer several benefits, including special financing options.

Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card is primarily aimed at individuals who make regular medium-sized purchases at Home Depot. It offers special financing on purchases of $299 or more, and up to 24-month financing during special promotions. However, it doesn’t offer ongoing rewards or perks.

Home Depot Commercial Credit Cards

For businesses, Home Depot offers two commercial credit card options: the Pro Xtra Credit Card (Commercial Revolving Charge) and the Commercial Account Card. Both cards provide special financing offers for businesses and allow cardholders to take advantage of Home Depot’s loyalty program for professionals.

Applying for a Home Depot Credit Card

Applying for a Home Depot credit card is straightforward. Customers can apply online on Citibank’s website or in person at any Home Depot store. The approval requirements include being at least 18 years old, having a physical U.S. address, providing proof of enough income to make the monthly minimum payment, a Social Security number or Individual Taxpayer Identification Number (ITIN), and a credit score of at least 640.

Other Payment Options

Beyond credit cards, Home Depot also accepts cash, gift cards, and PayPal. However, it does not currently accept mobile payment systems such as Apple Pay or Google Pay, although it does support Samsung Pay.

In conclusion, Home Depot accepts a wide range of credit cards, making it convenient for customers to choose their preferred method of payment. Whether you’re planning a major home renovation or just need a few supplies for a weekend project, understanding your payment options can help make your shopping experience smoother and more enjoyable.

Frequently Asked Questions

Does Home Depot accept international credit cards?

Yes, Home Depot accepts international credit cards, as long as they belong to the four major networks: Visa, MasterCard, American Express, and Discover.

Can I use multiple payment methods for a single transaction at Home Depot?

Yes, Home Depot allows customers to use multiple payment methods for a single transaction. This can include a combination of credit cards, gift cards, and cash.

Can I apply for a Home Depot credit card with a co-applicant?

Yes, Home Depot allows customers to apply for their credit cards with a co-applicant. The co-applicant’s credit history and income may also be considered during the approval process.

Does Home Depot offer any discounts or rewards for using their branded credit cards?

Home Depot occasionally offers special promotions and discounts for their branded credit card holders. However, the Home Depot Consumer Credit Card does not offer ongoing rewards or perks.