| Benefit | Category | Value / Coverage |
|---|---|---|
|
Save Up to $100 on First Purchase (Limited Time Offer)
New cardmembers can save up to $100 on a qualifying purchase when opening a new Home Depot Consumer Credit Card account; this is a limited-time offer and specific terms and minimum purchase requirements apply.
|
Credits |
Up to $100 off qualifying purchase
Up to $100
|
|
6-Month Promotional Financing on Purchases of $299 or More
Cardmembers receive No Interest If Paid In Full Within 6 months on qualifying purchases of $299 or more; interest will be charged from the purchase date if the balance is not paid in full within the promotional period.
|
Financial | 6 months no interest if paid in full |
|
Flexible Payment Due Date
Cardmembers can choose their preferred billing due date — in the beginning, middle, or end of the month — and may pay the full balance or just the minimum payment due each month.
|
Financial | Complimentary |
|
No Annual Fee
There is no annual fee to carry The Home Depot Consumer Credit Card.
|
Financial |
$0 annual fee
Up to $0
|
|
Up to 24-Month Financing During Special Promotions
During special promotional periods throughout the year, cardmembers may be eligible for up to 24 months of financing on qualifying purchases; specific terms and minimum purchase amounts vary by promotional event and are subject to change.
|
Financial | Up to 24 months financing |
|
24/7 Customer Service
Cardmembers have access to live Citi customer service representatives 24 hours a day, 365 days a year by calling the number on the back of the card and saying 'representative' for immediate assistance with account management, technical issues, and all aspects of card membership.
|
Other | Complimentary |
|
Home Depot Store-Only Acceptance
The Home Depot Consumer Credit Card is accepted exclusively at The Home Depot retail locations and homedepot.com — it is a store card and cannot be used at other merchants.
|
Other | Complimentary |
|
$0 Liability on Unauthorized Charges
Cardmembers are completely protected against unauthorized charges on their account; Citibank will not hold the cardmember responsible for any charge they did not authorize, whether online or otherwise.
|
Security | Complimentary |
|
Extended Returns Window — 1 Year
Cardmembers receive a full 1-year window to make returns at The Home Depot, four times longer than the standard 90-day return window available to non-cardmembers; subject to The Home Depot Returns Policy for details and exclusions.
|
Shopping | 1-year return window (4x standard) |
