- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 3
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 3.5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 3
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 3.5
- Issuer
- NaN
The Citi The Home Depot Consumer Credit Card from Citibank is a no-annual-fee store credit card designed for frequent Home Depot shoppers who want flexibility in managing their purchases. Ideal for homeowners, DIY enthusiasts, and contractors who regularly buy tools, appliances, or building materials, this card allows users to choose their payment due date, helping align payments with their budget and cash flow. While it does not offer a welcome bonus and can only be used at The Home Depot, the card benefits loyal shoppers who want a straightforward, fee-free way to handle large or frequent purchases at the store. This card is best suited for dedicated Home Depot customers looking for a simple credit option with flexible payment management.
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