- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 3
- Credits & Features
- 0
- Fees
- 5
- Application
- 3.5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 3
- Credits & Features
- 0
- Fees
- 5
- Application
- 3.5
- Issuer
- NaN
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
Spending Multipliers
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