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Citi (Home Depot) · credit
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Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
No lounge access.
Using Home Depot Card at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The The Home Depot® Consumer Credit Card has no annual fee.
No — the The Home Depot® Consumer Credit Card does not include airport lounge access.
No — the The Home Depot® Consumer Credit Card has no foreign transaction fee, so it's a good card to use abroad.
The The Home Depot® Consumer Credit Card has a purchase APR of 17.99%–29.99% variable.