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Citi · Other

The Home Depot® Consumer Credit Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Intro value may include 100 points. Confirm current requirements with the issuer.
Recommended credit
Fair (580-669)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 29.99%
Balance transfer APR
Check issuer terms
Cash advance APR
Check issuer terms
Promo APR length
12 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $40
Grace period
25 days
Recommended credit
Fair (580-669)
Terms last updated
6/22/2026
Key benefits
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.

Intro offer: Intro value may include 100 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Citi
Network
Other
Type
general
Review status
Terms reviewed 6/30/2026

Is The Home Depot® Consumer Credit Card worth it?

The The Home Depot® Consumer Credit Card is a no-annual-fee general card from Citi, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Intro value may include 100 points. Confirm current requirements with the issuer. It is generally aimed at applicants with fair (580-669) credit, with a purchase APR around APR range: 29.99%. Confirm current terms on Citi's site before applying.

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