The Home Depot Credit Card Alternatives

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Are you the one who always putting off the home repair because of insufficient funds and possible obstacles and stress? Then Home Depot credit card is what you need! Start your project or long-awaited repair with the Home Depot credit card.

Apply for a Home Depot credit card to get special financing for home renovating. The Home Depot Project Loan is good for homeowners who are looking for financing support and flexibility.

CARD for GOOD CREDIT
Milestone® MasterCard® with Free Choice of Card Image
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Applying is quick and easy with our fast decision process

Less than perfect credit is okay

24/7 access to your account information, even on mobile

 
Consumer Rating: 4 / 5
CARD for FAIR CREDIT
Surge Mastercard®
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All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

 
Consumer Rating: 4 / 5

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How to compare card offers 1. Check the most attractive cards in the tables below
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Card Name
Credit History
Intro APR Purch.
(Intro Period)
APR %
Annual Fee
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WebBank/Fingerhut Credit Account
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Bad n/a See Terms $0
Consumer Rating: 4 / 5
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
Credit One Bank® Platinum Credit Card with Rewards
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 5 / 5
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
Horizon Gold Credit Card
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Bad n/a 0.00% See Terms
Consumer Rating: 4 / 5
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
Barclaycard Arrival Plus™ World Elite MasterCard®
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Excellent N/A 16.99%, 20.99% or 23.99% Variable $89 - waived first year
Consumer Rating: 5 / 5
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
Credit One Bank® Platinum Visa® for Building Credit
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 4 / 5
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
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Home Depot Credit Card Alternatives for All Your Needs

The Home Depot is one of the largest home improvement retailers. You can find its stores in the U.S., Puerto Rico, Canada, and in Mexico. The company offers financing solutions to consumers and to business owners.

Consumers can apply for the Home Depot Consumer credit card or for The Home Depot Project Loan. The Home Depot eGift cards are also available. They can be at amounts between $10 and $500.

The Home Depot Consumer credit card has a 6-month interest free period on purchases over $299. So you have a good chance to avoid paying interest if you pay off the purchase balance within 6 months. But if you fail the interest will be charged from the purchase date.

There is no annual fee for the card but the APR may be quite high - up to 26.99%. You may be offered special financing offers throughout the year. Plus you will be able to manage your account online, check the account activity and receive credit statements.

The Consumer credit card is a revolving account whereas the Home Depot Project Loan is an 84-month account which can be paid off at any time. This account has a fixed APR of 7.99% and you will be given 6 months to make all your project purchases at this rate.

Both credit cards can be used as for purchasing products as for a Home Depot installation services. The accounts are owned by Citibank, N.A.

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