The Citi Home Depot Consumer Credit Card offers promotional financing and savings for major purchases at Home Depot stores and online. If you take on regular home improvement projects, this card can make them more affordable.

Introduced by Citi and Home Depot, this store card provides cardholders with financing options and discounts tailored specifically for the popular home improvement retailer.

Benefits of Citi Home Depot Consumer Credit Card

The Citi Home Depot Consumer Credit Card focuses mainly on promotional financing terms rather than traditional rewards. Key benefits include:

0% intro APR for 6 months on purchases of $299 or more (deferred interest);
Occasional promotions with 0% APR for up to 24 months;
Up to $100 off your first qualifying purchase;
Extended 1 year return period versus 90 days for non-cardholders;
Special financing offers on appliances, flooring, and more;
No annual fee.

Prerequisites

To qualify, you’ll need good credit (usually 670 score or higher). Prior Home Depot purchases aren’t required but regular shoppers will get the most value. People with lower credit scores may still qualify depending on their full credit profile, but excellent credit in the 720+ range will increase your chances.

Having an existing relationship with Citi and assets like a checking, savings, CD, or investment account can also improve your approval odds and potentially qualify you for higher initial credit limits. While not required, frequent Home Depot shoppers undertaking home upgrades will find the most use from special financing offers. More casual shoppers may want to consider an alternative card with better everyday rewards potential.

TAP HERE TO APPLY THE CITI HOME DEPOT CONSUMER CREDIT CARD

About Citi

Citi is a leading global financial services company that offers services like consumer banking, credit cards, investment banking, wealth management and more. Founded in 1812 as the City Bank of New York, Citi has financed major endeavors like the Panama Canal while introducing innovations like ATMs and some of the first credit cards to U.S. consumers.

Today, New York-based Citi serves over 200 million customer accounts across 160 countries. With over $2.3 trillion in assets under management, it continues to be one of the world’s most influential financial institutions.

In addition to traditional banking services, Citi partners with major brands to issue co-branded credit cards like the Citi Home Depot Consumer Card tailored specifically for loyal customers of those brands.

Who is this card for?

The Citi Home Depot Consumer Credit Card is best suited for regular Home Depot customers who take on large home improvement projects. If you frequently shop at Home Depot and make purchases of $300+, the special financing offers can help you spread out payments over 6, 12, or even 24 months. This card helps make major renovation and repair more affordable.

Casual Home Depot shoppers or those with smaller budgets won’t benefit as much. And if you want traditional credit card rewards like cash back or travel perks, other cards are a better option because this one lacks a rewards program.

Step by Step to Apply

You can apply for the Citi Home Depot Consumer Credit Card:

Go to the official page;
Click on Apply Now button;
Provide all the information that you are asked to submit;
Upon completing the 4-step application process, you can submit your information. Then the Bank will contact you and inform you about the next steps.

Be sure to have your Social Security Number, income details, employment information, and card numbers of any current credit cards handy when you apply. Download the Home Depot app to manage the card once approved.

TAP HERE TO DOWNLOAD CITI HOME DEPOT CONSUMER CREDIT CARD MOBILE APP ON IOS

Positives and Negatives

On the positive side, you can get 0% intro APR for 6 months on purchases $299+ to pay off a large purchase gradually without interest.

, occasional 24 month 0% promos and up to $100 off give you additional savings. With no annual fee, these financing options provide real money-saving power for big-ticket items.

However, the 0% APR is a deferred interest deal, meaning if you don’t pay in full by the promotion end date, you get charged back interest from the original purchase date – which can add up quickly at nearly 30% rates.

And other than the new account discounts, there are no traditional credit card rewards to earn like cashback or travel points on everyday purchases with this card.

So, it can provide nice financing terms to make major home upgrades affordable. Yet the deferred interest catches plus lack of an ongoing rewards program beyond sign-up discounts make the long run value less compelling versus other cards once you’ve paid off your large initial purchase. Weigh if the short-term financing deals outweigh the high back-end costs before applying.

While the deferred interest financing can save you money on big purchases, failing to pay your balance off in full by the promotion’s end date results in all the retroactive interest being charged from the original transaction date. So, you need the discipline to pay off the full amount according to the terms.

How to Unlock the Card

Follow these steps when you receive your new Citi Home Depot Consumer Credit Card:

Activate your card by calling the number on the sticker on the front of your card or on the paperwork that accompanied your card;
You’ll be asked to verify some personal information like your name, address, SSN, and birthday to confirm identity;
Choose whether you’d like to set up a PIN number for your card or rely solely on signature for in-person purchases. Adding a PIN enables small transactions without a signature;
Your card specialist will walk through additional first-time setup like registering your account on Citi’s online portal to manage your account digitally going forward.

Once the short activation call is complete, your new credit card will be ready for use online and in Home Depot stores worldwide.

Fees & Rates

The Citi Home Depot Consumer Credit Card has the following costs:

0% introductory APR for 6 months on purchases $299+ (deferred interest)
Ongoing purchase APR of 29.99%
Balance transfer APR of 29.99%
Cash advance APR of 29.99%
$0 annual fee
Up to $40 late payment fee
Minimum interest charge $2

As a deferred interest offer, the 0% introductory APR requires paying your full balance before the 6 months expire to avoid all the retroactive interest being charged from your original transaction date. Read all financing offer terms closely.

Customer Service

Contact Citi Card Member Services about your Home Depot Consumer Credit Card by:

Phone: 1-800-374-4934;
Mail: Home Depot Consumer Credit Card Services
P.O. Box 78026
Phoenix, AZ 85062-8026
Online

You can also manage your account digitally via Citi’s online portal and mobile app (iOS and Android).

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How to apply to Citi Home Depot Consumer Credit Card

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