MastercardHome Depot Consumer Credit Card
A store-only financing card: it works at Home Depot, earns nothing, and exists for the 6-month deferred interest plan.
Welcome Bonus
10,000
≈$100 value
Spend Requirement
$1,000
Annual Fee
$0
No FTF
Credit Score
640+
(Fair-Good)
Current offer note: $25 off $25-$299, $50 off $300-$999, $100 off $1,000 or more on a first purchase, through July 29, 2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards earned on any purchase
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦6 months of deferred interest financing on purchases of $299 or more
- ✦Up to 24-month financing during promotional events
- ✦Extended return window of up to a year on Home Depot purchases
Why it earns its spot
- +Free short-term financing for a renovation if you pay on schedule
- +Tiered first-purchase discount up to $100
- +No annual fee
Where it costs you
- −Store-only: it does not work anywhere except Home Depot
- −Zero rewards on every dollar spent
- −Deferred interest charges back-interest on the full original balance if you miss the payoff date by a day
The Compound Verdict
This is a financing instrument, not a rewards card. It only works at Home Depot, earns nothing, and the deferred interest trap punishes a single late month with the entire accrued balance. Take the first-purchase discount and the 6-month float on a big project if you are disciplined; otherwise a 5% category card beats it.
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