06 Main Home Depot Credit Cards

Thinking about ways to manage your expenses? Then you need to know about Home Depot credit card. These are the best options, with that goal in mind.

Knowing which Home Depot credit card or alternative best suits your credit profile and your purchasing goals can save you hundreds of dollars in interest and guarantee valuable benefits.

In this article, we will explore in detail the Home Depot credit card options (and related business accounts). Comparing them with the main available cashback card alternatives. This way, you will discover which product offers the best term, the lowest rate, and the highest rewards, providing the clarity you need to make the smartest financial decision for your project.

General Home Depot Credit Card Alternatives

1. My Lowe’s Rewards / Lowe’s Advantage Card (Home depot credit card)

My Lowe’s Rewards, issued by Lowe’s, the second-largest home improvement retailer in the US, is a direct competitor to the Home Depot credit card.

Although the limit is not disclosed, it offers an immediate 5% discount on all eligible purchases.

New customers receive an initial 20% discount, limited to $100, on their first purchase.

The card also has financing options:

• 6 months deferred interest for purchases over $299
• 84 fixed installments with reduced interest (approximately 7.99% APR) for purchases equal to or greater than $2,000.

The standard variable APR is between 26.99% and 31.99%. Like Home Depot cards, it has no annual fee and offers unauthorized use protection.

2. Bank of America Customized Cash Rewards

This card is an option for those looking to customize rewards.

It allows the cardholder to choose a category to earn 3% cashback, and this category can be “home improvement/furnishings,” making it competitive for renovation projects.

Additionally, the card offers 2% cashback at supermarkets and wholesale clubs and 1% on all other purchases.

Furthermore, it attracts new customers with a $200 bonus after spending $1,000 in the first 90 days.

And, it offers an introductory 0% APR for balance transfers for 18 billing months.

3. Discover it® Cash Back (Home depot credit card)

Known for its generous rewards and excellent service, the Discover it® Cash Back offers 5% rotating cashback in activated categories, such as supermarkets and gas stations, and 1% on all other purchases.

The differentiator is double cashback in the first year: Discover returns all cashback earned at the end of the first year.

Furthermore, it has a 0% APR on purchases and balance transfers for 15 months, with the regular APR ranging between 18.24% and 28.24% after this period.

As a rule, it has no annual fee and the minimum initial limit is $500.

4. Citi Double Cash® Card

The Citi Double Cash® Card stands out for its cashback simplicity. It offers 2% on all purchases (1% when buying and 1% when paying).

As a rule, this cashback is unlimited and the foreign transaction fee is 3%.

Additionally, the card also offers a $200 bonus (equivalent to 20,000 points) after spending $1,500 in 6 months and 5% cashback on hotels and car rentals booked through Citi Travel.

In addition, it includes a 0% APR for balance transfers for 18 months and the purchase APR ranges from 17.74% to 27.74%.

5. Wells Fargo Active Cash® Card

With unlimited 2% cashback on all purchases, the Wells Fargo Active Cash® Card is a strong and direct option.

As a rule, it offers a $200 bonus after spending just $500 in the first 3 months.

New cardholders benefit from 0% APR for 12 months on purchases and balance transfers, with the subsequent APR ranging between 18.74% and 28.74%.

The balance transfer fee is 3% (in the first 120 days) and then 5%.

Furthermore, the card has no annual fee and includes cell phone protection (up to $600 per incident) and rewards with no expiration date.

6. Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card is known for its sign-up bonuses and cashback categories.

First, it offers 3% cashback at US supermarkets, online retail, and gas stations (limited to $6,000 per category/year; then 1%). In fact, this is one of the credit cards with cash back rewards.

Initially, new customers can get $200 credit after spending $2,000 in 6 months.

The card offers 0% APR for 15 months on purchases and balance transfers, followed by an APR of 19.74% to 28.74%.

With no annual fee, it includes the Plan It feature, which allows purchases over $100 to be paid in fixed installments, plus a credit of up to $7 per month on Disney+ subscriptions.

Comparative Table of Options Home Depot Credit Card

Card (Issuer)	Cashback/Discount (General)	Financing (Promotion)	Standard APR (Variable)	Annual Fee
Home Depot Consumer Credit Card (Citibank)	Preferential Financing	6 to 24 months (deferred interest)	~29.99%	None
Home Depot Pro Xtra Credit Card (Citibank)	4x Pro Xtra benefits; 2% upfront	On purchases ≥ US$ 299 (deferred interest)	Similar to consumer	None
Home Depot Commercial Account (Citibank)	2% discount on payment in 20 days	60 days interest-free	Not applicable	None
My Lowe’s Rewards (Lowe’s)	5% immediate discount	6 months (deferred interest) or 84 fixed installments	26.99% to 31.99%	None
Bank of America Customized Cash Rewards	3% in chosen category (Home Improvement)	0% APR on balance transfer for 18 months	18.24%–28.24%	None
Discover it® Cash Back (Discover)	5% rotating; 1% on others (Double cashback in 1st year)	0% APR on purchases/transfer for 15 months	18.24%–28.24%	None
Citi Double Cash® Card (Citi)	2% on all purchases	0% APR on balance transfer for 18 months	17.74%–27.74%	None
Wells Fargo Active Cash® Card (Wells Fargo)	2% on all purchases	0% APR on purchases/transfer for 12 months	18.74%–28.74%	None
Blue Cash Everyday® Card (Amex)	3% in categories (Supermarket, Online Retail)	0% APR on purchases/transfer for 15 months	19.74%–28.74%	None

Conclusion

In conclusion, Home Depot credit cards offer solutions for those who make frequent purchases of construction materials and desire payment flexibility.

The Home Depot Consumer Credit Card is ideal for residential renovations, with interest-free financing for 6 to 24 months. While the Pro Xtra Credit Card and Commercial Account cater to professionals and businesses, offering discounts and extended interest-free terms.

For those seeking universal rewards, alternatives such as the Bank of America Customized Cash Rewards (3% on home improvements) and the Wells Fargo Active Cash® Card (2% on all purchases) offer a higher financial return and lower long-term cost.

Thus, the ideal choice depends on the buyer’s profile. Once you’ve chosen, the rest is easy. Just access the bank’s website and apply for your card.