- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 3
- Credits & Features
- 0
- Fees
- 5
- Application
- 3.5
- Issuer
- 5
Summary
- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 3
- Credits & Features
- 0
- Fees
- 5
- Application
- 3.5
- Issuer
- 5
The Citi Pro Xtra Credit Card from Citibank is a no-annual-fee store credit card designed specifically for frequent The Home Depot shoppers who want a straightforward way to manage purchases and access store promotions. Ideal for homeowners, DIY enthusiasts, and contractors who regularly buy tools, appliances, and building supplies at The Home Depot, this card allows for simplified payment and account management directly with the retailer. While it does not offer a welcome bonus and can only be used at The Home Depot, the Citi Pro Xtra card benefits loyal customers seeking a fee-free, easy-to-use credit option tailored to their favorite home improvement store. This card is best suited for dedicated Home Depot shoppers who prioritize convenience and consistent access to store-specific financing.
Pros
Cons
Issuer
Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.
Spending Multipliers
4x
Points on Home Depot
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
Fees
- No Annual Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 29.99% Variable APR