Available Credit Offers
NEW ACCOUNTS ONLY: GET THE CARD, SAVE UP TO $200 *,**
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* 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 Offer may be modified or withdrawn at any time without notice.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.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
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.
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
NO INTEREST IF PAID IN FULL WITHIN 18 MONTHS*
on any single-receipt Major Appliance▼ purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card from Thursday, November 6 to Wednesday, November 12, 2025. Limited time offer. Payments required. No annual fees.
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For Canadian Residents (excluding Quebec):
*NO INTEREST/NO APR IF PAID IN FULL WITHIN 18 MONTHS on any single-receipt Major Appliance▼ purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card from Thursday, November 6 to Wednesday, November 12, 2025. 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.
▼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.
For Quebec Residents:
*NO INTEREST/NO APR IF PAID IN FULL WITHIN 18 MONTHS on any single-receipt Major Appliance▼ purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card from Thursday, November 6 to Wednesday, November 12, 2025. 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 The Home Depot locations in the Province of Quebec only. Not valid in combination with any other offer.
▼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.
˄ 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%.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
36 EQUAL PAYMENTS, 0% INTEREST*, NO ANNUAL FEES On Any Heating and Cooling System
when you use your Home Depot® Consumer Credit Card from Thursday, November 6 to Wednesday, December 17, 2025, on the purchase of any Furnace, Air Conditioner, Heat Pump or Ductless System▼ when purchased and installed through Home Services.
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For Canadian Residents (excluding Quebec):
*36 EQUAL PAYMENTS, 0% INTEREST/NO APR*, NO ANNUAL FEES when you use your Home Depot® Consumer Credit Card from Thursday, November 6 to Wednesday, December 17, 2025, on the purchase of any Furnace, Air Conditioner, Heat Pump or Ductless System▼ when purchased and installed through Home Services.
*Equal monthly payments for this Equal Payment Plan purchase are determined by dividing the total purchase amount (including taxes) by the number of months in the promotional period, rounded up to the nearest cent. Interest does not accrue during the promotional period. If any monthly payment required to be made during the promotional period is not paid in full by its payment due date, or if any other payment which is required to be made under the Consumer Cardholder Agreement is not paid when required, the unpaid outstanding balance of such purchase amount will immediately become an interest-bearing purchase to which credit charges at an annual interest rate of 28.8% will then apply.
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.
▼ Offer valid only on contracts signed between November 6 to and December 17, 2025, when purchased and installed through Home Services. Installation must be completed by January 16, 2026. Offer valid through The Home Depot Home Services in Canada only. Not valid in combination with any other offer or Local Pro. Call 1-800-Home Depot (1-800-466-3337) for a free in-home consultation. The Home Depot reserves the right to limit quantities to the amount reasonable for homeowners and our regular contractor customers. Some exceptions may apply. See store associate for details.
For Quebec Residents:
*36 EQUAL PAYMENTS, 0% INTEREST/NO CREDIT RATE*, NO ANNUAL FEES when you use your Home Depot® Consumer Credit Card from Thursday, November 6 to Wednesday, December 17, 2025, on the purchase of any Furnace, Air Conditioner, Heat Pump or Ductless System▼ when purchased and installed through Home Services.
*Equal monthly payments for this Equal Payment Plan purchase are determined by dividing the total purchase amount (including taxes) by the number of months in the promotional period, rounded up to the nearest cent. Interest does not accrue during the promotional period. If any monthly payment required to be made during the promotional period is not paid in full by its payment due date, or if any other payment which is required to be made under the Consumer Cardholder Agreement is not paid when required, the unpaid outstanding balance of such purchase amount will immediately become an interest-bearing purchase to which credit charges at an annual interest rate of 21.50%^ will then apply.
During the promotional period, 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 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.
▼ Offer valid only on contracts signed between November 6 and December 17, 2025, when purchased and installed through Home Services. Installation must be completed by January 16, 2026. Offer valid through The Home Depot Home Services in Canada only. Not valid in combination with any other offer or Local Pro. Call 1-800-Home Depot (1-800-466-3337) for a free in-home consultation. The Home Depot reserves the right to limit quantities to the amount reasonable for homeowners and our regular contractor customers. Some exceptions may apply. See store associate for details.
˄ 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 before August 1, 2019, the minimum monthly percentage used to calculate the minimum payment is equal to 5%.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS*
on eligible single-receipt snowblower purchases * (including taxes) when you use your Home Depot® Consumer Credit Card. Limited time offer.
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For Canadian Residents (excluding Quebec):
*NO INTEREST/NO APR IF PAID IN FULL WITHIN 12 MONTHS on any single-receipt Major Appliance▼ purchase of $999 or more (including taxes) when you use your Home Depot® Consumer Credit Card from Thursday, October 2 to Wednesday, February 4, 2026. 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 APR IF PAID IN FULL WITHIN 12 MONTHS on any single-receipt Major Appliance▼ purchase of $999 or more (including taxes) when you use your Home Depot® Consumer Credit Card from Thursday, October 2 to Wednesday, February 4, 2026. 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 The 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%.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
36 EQUAL PAYMENTS, 7.99% ANNUAL INTEREST RATE*, NO ANNUAL FEES
on your next single- receipt, in-store only purchase of $999 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Monthly Payments Required. Limited Time offer.
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For Canadian Residents (excluding Quebec):
^Product only, estimated monthly payment. For illustration purpose only. Estimated payment does not include taxes, shipping/delivery fees and/or add-on services. Applies to this purchase only (if there are no other payment plans, interest, fees, payments or charges billed to the account). Price subject to change. See associate for details.
*Equal monthly payments for your Equal Payment Plan purchase are determined by dividing the total purchase amount (including taxes and add-ons) plus Total Interest by the number of months in the promotional period. Total Interest means the total amount of interest to be paid over the term of the promotional period. Interest on this total purchase amount (including taxes and add-ons) will accrue at the promotional annual interest rate of 7.99% provided that if any monthly payment required to be made during the promotional period is not paid in full by its payment due date, or if any other payment which is required to be made under the Consumer Cardholder Agreement is not paid when required, the unpaid outstanding balance of such total purchase amount (including taxes and add-ons) will immediately become an interest-bearing purchase to which interest charges at an annual interest rate of 28.8% will then apply.
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. [Not valid in combination with any other offer.]
For Quebec Residents:
36 EQUAL PAYMENTS, 7.99% ANNUAL INTEREST RATE*, NO ANNUAL FEES on your next single- receipt, in-store only purchase of $999 or more (including taxes) when you use your Home Depot® Consumer Credit Card. Monthly Payments Required. Limited time offer.
*Equal monthly payments for your Equal Payment Plan purchase are determined by dividing the total purchase amount (including taxes and add-ons) by the number of months in the promotional period. Total Interest means the total amount of interest to be paid over the term of the promotional period. Credit charges on this total purchase amount (including taxes and add-ons) will accrue at the promotional annual credit rate shown in the advertisement provided that if any monthly payment required to be made during the promotional period is not paid in full by its payment due date, or if any other payment which is required to be made under the Consumer Cardholder Agreement is not paid when required, the unpaid outstanding balance of such total purchase amount (including taxes and add-ons) will immediately become an interest-bearing purchase to which credit charges at an annual credit rate of 21.5% will then apply.
During the promotional period, for Debt to which your Equal Payment Plan applies (as those terms are defined in the Consumer Cardholder Agreement), each minimum monthly payment due is equal to the monthly payment amount calculated as set out above plus other amounts 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 credit rates of 5.99%, 6.99% and 7.99% per annum are as follows:
If your average daily balance is:
Your monthly credit charge at an annual credit rate of 5.99% will be: Your monthly credit charge at an annual credit rate of 6.99% will be:
Your monthly credit charge at an annual credit rate of 7.99% will be: $999
$30.39 $30.84 $31.30 $1,500 $45.63 $46.31 $47.00 $2,000 $60.83 $61.75 $62.66 $2,500
$76.04 $77.18 $78.33 On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot locations in the Province of Quebec only. [Not valid in combination with any other offer.]
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
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):
*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 4% on August 1, 2023 and will increase to 4.5% on August 1, 2024 and 5% on August 1, 2025.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
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.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.
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.
© 2025, Home Depot International, Inc. All rights reserved. ® Registered trademark of Home Depot International, Inc. Used under license.