The Home Depot® Consumer Credit Card
No annual fee. Purchase APR 29.99%.
- Annual fee
- Issuer's pageciti.com
“$0 Liability”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pageciti.com “$0 Liability” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Six months of special financing on qualifying purchases of $299 or more, subject to the promotional terms.
- Up to 24 months of financing during special promotions throughout the year.
- No interest on qualifying purchases if paid in full within the promotional period; interest is charged from the purchase date if the balance is not paid in full within the promotional period.
- One-year hassle-free returns, subject to The Home Depot Returns Policy.
- $0 liability on unauthorized charges.
- 24-hour fraud protection, including alerts for unusual account activity.
- Contactless payment and chip-based card technology.
- Automatic account alerts for balances, payments, and credit limits via email or text.
- Online account management, including balance and available credit review, statement review, and payments.
- Paperless statements and electronic communications.
- Ability to choose an available payment due date at the beginning, middle, or end of the month.
- Other
Questions
- What is the annual fee?
- $0 citi.com, since Sep 29, 2026
- What is the purchase APR?
- 29.99% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).