Available Credit Offers

NEW ACCOUNTS ONLY: GET THE CARD, SAVE UP TO $200 *,**

* Present the offer obtained at a The Home Depot store within 30 days of your account opening date to be eligible for a $25 discount on a single-receipt, in-store purchase of $25 up to $499.99 (excluding taxes), or a $50 discount on a single-receipt, in-store purchase of $500 up to $999.99 (excluding taxes), or a $100 discount on a single-receipt, in-store purchase of $1,000 or more (excluding taxes) made with your The Home Depot Credit Card at a The Home Depot store in Canada. PRESENT TO CASHIER AT TIME OF PURCHASE TO RECEIVE DISCOUNT. Cashier will redeem the offer by scanning the barcode presented in-store within 30 days of account opening. This offer is for new accounts, subject to credit approval.

** Offer not valid on Special Order Wire, homedepot.ca transactions, The Home Depot Gift Cards or certificates, Home Services, delivery charges, warranties, and prior purchases. Not negotiable, transferable or redeemable for cash and cannot be used to make payments on any Home Depot Credit Card accounts. No copies or mechanical reproduction will be accepted. Offer may be modified or withdrawn at any time without notice. Void where prohibited.

†Additional savings opportunity will be sent with your new account welcome package and will be valid on a qualifying purchase in-store only on The Home Depot Credit Card.

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COMMERCIAL REVOLVING CARD

Payment Flexibility

Depending on your needs, you can choose to pay your balance in full each month or make low minimum monthly payments.
Gives small-to-medium businesses the flexibility to carry balances.

Additional Cards for Employees

Your employees can have their own cards, which they can use to make purchases on your account.

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COMMERCIAL CARD

Pay in Full Monthly

Your payment is due in full each month.

Cards for each Authorized Buyer

Allow authorized users to make purchases while you control employee spending with detailed account information.

Pay by Invoice

Optimize your cash flow with the flexibility to itemize and pay invoices.
Gives businesses that pay by invoice, or companies with different locations, an easy way to manage credit. Payment is due in full each month. (Net 30)

Customized Tracking

Customized purchase tracking options through the use of purchase orders, job name, job number or buyer's name

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NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS*

on any purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

If the advertisement includes an Estimated Monthly Payment sample, please note that it is for product only. Estimated monthly payment does not include taxes, shipping/delivery fees and/or add-on services. Each estimated monthly payment assumes a 26-31 day billing cycle. Applies to this advertised product only (if there are no other payment plans, interest fees, payments or charges billed to the account). .

For Canadian Residents (excluding Quebec):

*NO INTEREST/NO APR IF PAID IN FULL WITHIN 6 MONTHS on any purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees. Interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement. On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot Canada locations outside of the Province of Quebec. Offer not available to Quebec residents; if your account was opened in Quebec and you now reside in another province, please refer to the below information applicable to Quebec residents and to your Consumer Cardholder Agreement for the terms applicable to you. Not valid in combination with any other offer.

For Quebec Residents:

NO INTEREST/NO CREDIT RATE IF PAID IN FULL WITHIN 6 MONTHS on any purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

Credit charges on your promotional purchases will accrue from the date of the purchase and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase is paid in full by the plan expiration date.

If not, interest will be charged at a Credit Rate of 21.50%^ per annum in accordance with the Consumer Cardholder Agreement. During the promotional period, each minimum monthly payment is equal to 5%^^ of Purchases or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.

For Debt to which a Regular Financing Plan applies (as those terms are defined in the Consumer Cardholder Agreement), each minimum monthly payment is equal to 5% of total unpaid Purchases plus related interest and any past due amounts, or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.

The billing period covered by each Account Statement will be approximately 28 to 31 days. A grace period of 25 days applies to non-qualifying purchases when posted to the Account. There are no annual membership or renewal fees and the retailer does not charge any plan administration fees.

Examples of borrowing costs at the standard Credit Rate of 21.50% per annum (assuming a Regular Financing Plan balance owing during a 30-day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges). All amounts (rounded to the nearest cent) are as follows:

If your average daily balance is:	Your monthly credit charge at an annual Credit Rate of 21.50% will be:	Your monthly credit charge at an annual Credit Rate of 23.25% will be:
$100	$1.79	$1.94
$800	$14.33	$15.50
$1,400	$25.08	$27.13
$2,000	$35.83	$38.75

On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at Home Depot locations in the Province of Quebec only. Not valid in combination with any other offer.

^˄ If your Account was opened prior to March 15, 2020, interest will be charged at a Credit Rate of 23.25% per annum in accordance with your Consumer Cardholder Agreement.

^^If your Account was opened prior to August 1, 2019, the minimum monthly percentage used to calculate the minimum payment is equal to 5%. ^.

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NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS^*

on any single-receipt installed project purchase^▼ (product and labour) of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

For Canadian Residents (excluding Quebec):

*NO INTEREST/NO APR IF PAID IN FULL WITHIN 12 MONTHS on any single-receipt installed project purchase (product and labour) of $299 or more (including taxes) when you use your Home Depot^® Consumer Credit Card. Payments required. No annual fees.

Interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement.

^▼ When installed through The Home Depot Home Services.

On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot Canada locations outside of the Province of Quebec. Offer not available to Quebec residents; if your account was opened in Quebec and you now reside in another province, please refer to the below information applicable to Quebec residents and to your Consumer Cardholder Agreement for the terms applicable to you. Not valid in combination with any other offer.

For Quebec Residents:

*NO INTEREST/NO CREDIT RATE IF PAID IN FULL WITHIN 12 MONTHS on any single-receipt installed project purchase (product and labour) of $299 or more (including taxes) when you use your Home Depot^® Consumer Credit Card. Payments required. No annual fees.

Credit charges on your promotional purchases will accrue from the date of the purchase and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase is paid in full by the plan expiration date.

If not, interest will be charged at a Credit Rate of 21.50%^{^} per annum in accordance with the Consumer Cardholder Agreement. During the promotional period, each minimum monthly payment is equal to 5%^{^^} of Purchases or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.

For Debt to which a Regular Financing Plan applies (as those terms are defined in the Consumer Cardholder Agreement), each minimum monthly payment is equal to 5% of total unpaid Purchases plus related interest and any past due amounts, or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.

The billing period covered by each Account Statement will be approximately 28 to 31 days. A grace period of 25 days applies to non-qualifying purchases when posted to the Account. There are no annual membership or renewal fees and the retailer does not charge any plan administration fees.

Examples of borrowing costs at the standard Credit Rate of 21.50% per annum (assuming a Regular Financing Plan balance owing during a 30-day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges). All amounts (rounded to the nearest cent) are as follows:

If your average daily balance is:	Your monthly credit charge at an annual Credit Rate of 21.50% will be:	Your monthly credit charge at an annual Credit Rate of 23.25% will be:
$100	$1.79	$1.94
$800	$14.33	$15.50
$1,400	$25.08	$27.13
$2,000	$35.83	$38.75

^▼ When installed through Home Depot Home Services.

On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at Home Depot locations in the Province of Quebec only. Not valid in combination with any other offer.

^˄ If your Account was opened prior to March 15, 2020, interest will be charged at a Credit Rate of 23.25% per annum in accordance with your Consumer Cardholder Agreement.

^{^^If your Account was opened prior to August 1, 2019, the minimum monthly percentage used to calculate the minimum payment is equal to 4% on August 1, 2023 and will increase to 4.5% on August 1, 2024 and 5% on August 1, 2025.}

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NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS^*

on any single-receipt Major Appliance^▼ purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

For Canadian Residents (excluding Quebec):

*NO INTEREST/NO APR IF PAID IN FULL WITHIN 12 MONTHS on any single-receipt Major Appliance purchase of $299 or more (including taxes) when you use your Home Depot^® Consumer Credit Card. Payments required. No annual fees.

Interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement.

^▼Offer not valid on range hoods, small appliances, parts, accessories, services, floor care and home comfort products. Offer valid at The Home Depot Canada. Not valid in combination with any other offer. Selection varies by store and quantities are limited. We reserve the right to limit quantities sold. No substitutions or rain checks. See store associate for details.

On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot Canada locations outside of the Province of Quebec. Offer not available to Quebec residents; if your account was opened in Quebec and you now reside in another province, please refer to the below information applicable to Quebec residents and to your Consumer Cardholder Agreement for the terms applicable to you. Not valid in combination with any other offer.

For Quebec Residents:

*NO INTEREST/NO CREDIT RATE IF PAID IN FULL WITHIN 12 MONTHS on any single-receipt Major Appliance^▼ purchase of $299 or more (including taxes) when you use your Home Depot^® Consumer Credit Card. Payments required. No annual fees.

Credit charges on your promotional purchases will accrue from the date of the purchase and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase is paid in full by the plan expiration date.

If not, interest will be charged at a Credit Rate of 21.50%^{^} per annum in accordance with the Consumer Cardholder Agreement. During the promotional period, each minimum monthly payment is equal to 5%^{^^} of Purchases or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.

For Debt to which a Regular Financing Plan applies (as those terms are defined in the Consumer Cardholder Agreement), each minimum monthly payment is equal to 5% of total unpaid Purchases plus related interest and any past due amounts, or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.

The billing period covered by each Account Statement will be approximately 28 to 31 days. A grace period of 25 days applies to non-qualifying purchases when posted to the Account. There are no annual membership or renewal fees and the retailer does not charge any plan administration fees.

Examples of borrowing costs at the standard Credit Rate of 21.50% per annum (assuming a Regular Financing Plan balance owing during a 30-day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges). All amounts (rounded to the nearest cent) are as follows:

If your average daily balance is:	Your monthly credit charge at an annual Credit Rate of 21.50% will be:	Your monthly credit charge at an annual Credit Rate of 23.25% will be:
$100	$1.79	$1.94
$800	$14.33	$15.50
$1,400	$25.08	$27.13
$2,000	$35.83	$38.75

^▼Offer not valid on range hoods, small appliances, parts, accessories, services, floor care and home comfort products. Offer valid at The Home Depot Canada. Not valid in combination with any other offer. Selection varies by store and quantities are limited. We reserve the right to limit quantities sold. No substitutions or rain checks. See store associate for details.

On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at Home Depot locations in the Province of Quebec only. Not valid in combination with any other offer.

^˄ If your Account was opened prior to March 15, 2020, interest will be charged at a Credit Rate of 23.25% per annum in accordance with your Consumer Cardholder Agreement.

^{^^If your Account was opened prior to August 1, 2019, the minimum monthly percentage used to calculate the minimum payment is equal to 4% on August 1, 2023 and will increase to 4.5% on August 1, 2024 and 5% on August 1, 2025.}

Apply Now

Available Credit Offers

NEW ACCOUNTS ONLY: GET THE CARD, SAVE UP TO $200 *,**

COMMERCIAL REVOLVING CARD

COMMERCIAL CARD

NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS*

on any purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

For Canadian Residents (excluding Quebec):

For Quebec Residents:

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS*

on any single-receipt installed project purchase▼ (product and labour) of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS*

on any single-receipt Major Appliance▼ purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS^*

on any single-receipt installed project purchase^▼ (product and labour) of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS^*

on any single-receipt Major Appliance^▼ purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Payments required. No annual fees.