RateHerald

Our illustration in the card’s colours, not its design

Citi credit card

The Home Depot® Consumer Credit Card

No annual fee. $100 dollars welcome bonus. Purchase APR 29.99%.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

$100 cash

Open a Home Depot account today and save up to $100 after account opening.

  • Smaller than about 90% of the 48 other cash bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$100$0
Typical spender$100$0
Heavy spender$100$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$0a year

$100 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$0a year

$100 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$0a year

$100 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.

Other cards without rewards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

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.
All 12 benefits
  • 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

Every figure with its receipt

Rates and fees

Annual fee
Purchase APR
Minimum interest charge

Before you apply

  1. 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).
  2. 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)

Questions

What is the annual fee?
$0 · Reported to the CFPB, Dec 31, 2025, since Nov 1, 2026
What is the purchase APR?
29.99% APR · Reported to the CFPB, since Sep 29, 2026
Is there a welcome bonus?
$100 cash back. · citi.com, since Sep 29, 2026
See it on citi.com

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