Home Depot Consumer Credit Card
Home Depot · Cashback · Statement Credit
This comprehensive guide covers the Home Depot Consumer Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Home Depot Consumer Credit Card from Home Depot offers cashback rewards credited directly to your statement at 5%. Top earning categories include 5% statement credit on qualifying purchases and more. This card has no annual fee.
Best for: General Online, Electronics Accessories, Grocery, Dining
Reward Examples
Spend $1,000 on General online → earn $50 (5%) · 5% statement credit on qualifying purcha
Spend $1,000 on Dining → earn $20 (2%) · 2% statement credit on dining and travel
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 5% 5% statement credit on qualifying purchases
- 2% 2% statement credit on dining and travel
- 1 pts/$100 1x points on all other purchases
Important Notes
- 5% statement credit only on qualifying purchases made with the card
- 2% statement credit on dining and travel no cap
- No foreign transaction fees
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Home Depot Consumer Credit Card vs Similar Cards
- Alliant Cashback Visa® Signature Card — 3% top rate · $0
- Alliant Platinum Visa® Card — 2% top rate · $0
- Blue Cash Everyday Card from American Express — 3% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Home Depot Consumer Credit Card for its bonus categories: General Online, Electronics Accessories, Grocery, Dining, Travel.