| Category | Rate | Type | Cap |
|---|---|---|---|
|
Home Depot Purchases
Earn Pro Xtra Perks 4X faster on eligible purchases made with the Pro Xtra Credit Card at The Home Depot stores and HomeDepot.com; cardholders must join Pro Xtra, register, and use their card to earn at this rate.
|
4x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Save Up to $100 on First Qualifying Purchase
New cardmembers can save up to $100 on their first qualifying purchase when opening a new Pro Xtra Credit Card account; this is a limited-time offer and specific terms and minimum purchase requirements apply.
|
Credits |
Up to $100 off first qualifying purchase
Up to $100
|
|
Flexible Monthly Payments
As a commercial revolving charge card, cardholders can choose to make low minimum monthly payments or pay the full balance each month, providing cash flow flexibility for professional and business purchasers.
|
Financial | Complimentary |
|
No Annual Fee
There is no annual fee to carry the Pro Xtra Credit Card.
|
Financial |
$0 annual fee
Up to $0
|
|
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.
|
Other | Complimentary |
|
Account Online Portal Access
Cardholders can manage their account through the Account Online portal to check balances and available credit, review statements, make payments, and access account tools.
|
Other | Complimentary |
|
Authorized User Cards for Employees
Cardholders can issue authorized user cards to trusted employees, enabling them to make purchases at The Home Depot on behalf of the business while keeping spending consolidated under the primary account.
|
Other | Complimentary |
|
Itemized Billing Statements and Purchase Tracking
Cardholders receive itemized billing statements and automatic purchase tracking to streamline business accounting and project expense management.
|
Other | Complimentary |
|
Pro Xtra Exclusive Promotions and Offers
As automatic Pro Xtra members, cardholders receive access to exclusive promotions, personalized offers, savings on paints, stains and primers, and other Pro Xtra loyalty program benefits available at The Home Depot.
|
Other | Complimentary |
|
4X Pro Xtra Perks on Home Depot Purchases
Earn Pro Xtra Perks 4X faster on eligible purchases made with the Pro Xtra Credit Card at The Home Depot stores and HomeDepot.com; cardholders must join Pro Xtra, register their card, and use the card to earn at this accelerated rate.
|
Rewards | 4X Pro Xtra Perks |
|
Automatic Pro Xtra Program Membership
Cardholders are automatically granted membership in The Home Depot's Pro Xtra loyalty program upon card approval, providing access to exclusive promotions, personalized offers, discounts on paints, stains and primers, and rewards on every purchase.
|
Rewards | Complimentary |
|
Pro Xtra Dollars Redemption
Earned Pro Xtra Perks can be redeemed as Pro Xtra Dollars — The Home Depot Digital Reward Cards — that may be used to purchase merchandise and services at The Home Depot in-store or online.
|
Rewards | Redeemable at The Home Depot |
|
Rental Perks Redemption
Earned Pro Xtra Perks can be redeemed as Rental Perks to pay for charges when renting eligible tools at The Home Depot; rental perks are accessed via the Available Perks section of the Home Depot app.
|
Rewards | Redeemable for Home Depot tool rentals |
|
$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 |
|
Identity Theft Protection
Cardholders have access to identity theft protection services through Citi, providing assistance with resolving fraudulent activity and protecting personal and business account information.
|
Security | Complimentary |
|
Extended Returns Window — 1 Year
Cardmembers receive a 1-year Hassle Free Returns window — 4X longer than the standard 90-day return window — at The Home Depot; subject to The Home Depot Returns Policy for details and exclusions.
|
Shopping | 1-year return window (4x standard) |
