Our illustration in the card’s colours, not its design
Citi credit card
Pro Xtra Credit Card
No annual fee. $100 welcome bonus.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · citi.com
“Save up to $100 today 2”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · citi.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Citi’s terms
Welcome offer
100 $
A qualifying purchase
Save up to $100 on a qualifying purchase when you open a new credit card with The Home Depot.
- Smaller than about 90% of the 48 other cash bonuses we track.
In dollars
What it’s worth
This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Automatic entry into The Home Depot Pro Xtra loyalty program.
- Personalized offers and exclusive promotions and sales.
- Preferred pricing and personalized pricing.
- Save up to 20% off paints, stains and primers through paint rewards.
- One-year hassle-free returns, credited back to the Home Depot Credit Card.
All 15 benefits
- Authorized user cards for trusted employees.
- Easy purchase tracking by PO number, job name or job number.
- Itemized billing statements and business account online tools.
- Flexible monthly payments or payment in full.
- Choice of available payment due date.
- 24-hour fraud protection alerts.
- Contactless payment and chip-based card technology.
- Automatic account alerts by email or text.
- Paperless statements and electronic communications.
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · citi.com The source states this figure; we have no exact sentence on file yet. |
|---|
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)