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 EXCELLENT/GOOD CREDIT
Discover it® Miles
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New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*

Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.

Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.

 
Consumer Rating: 5 / 5
CARD for FAIR/BAD 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
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
Intro APR Purch.
(Intro Period)
APR %
Annual Fee
Apply
Discover it® - Cashback Match™
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Excellent, Good 0% (14 months) 11.99% – 23.99% Variable $0
Consumer Rating: 5 / 5
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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.
Discover it® chrome
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Excellent, Good 0% (14 months) 11.99% – 23.99% Variable $0
Consumer Rating: 5 / 5
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
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.
Milestone® MasterCard® with Free Choice of Card Image
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Fair / Good N/A 23.9% $35 - $99*
Consumer Rating: 4 / 5
  • 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
Credit One Bank® Unsecured Visa® - No Deposit Required
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 5 / 5
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

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.

Related FAQs More FAQs >>

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