How to Qualify for a Home Depot Credit Card

The Home Depot is considered the largest American home improvement retailer in the world.

More than forty years after its founding, Home Depot has more than 2,100 locations throughout the fifty states of the Union, ten provinces of Canada, thirty-two states of Mexico and other countries in America, where Home Depot generates more than four hundred thousand jobs.

In the spacious stores of Home Depot you can find all kinds of articles for masonry, carpentry, blacksmithing, plumbing, hardware and construction materials in general.

Home Depot ‘s headquarters are located in Georgia, Atlanta. The founders of Home Depot and their advisors were the originators of the famous “Do It Yourself” concept ( do-it-yourself ), a business concept in the area that has been embraced around the world.

Since its origins, The Home Depot has established alliances with financial institutions. It is such that its founders, Bernie Marcus and Arthur Blank, established alliances with the banker Ciaran Brennan and the business advisor Pat Farrah from its inception, a fact that, together with their business philosophy, was one of the causes of their rapid success.

To give an example of its corporate moves, in 2015 The Home Depot acquired Interline Brands, one of its most important competitors, thus consolidating itself as the number one in its field and increasing its presence in the industrial, hotel and multi-family sector.

In 2018 Home Depot reached 23rd place on the Fortune 500 list with revenues in the order of 101,000 million dollars and a net margin of USD 8,630 million.

If you want to belong to the select group of Home Depot associates, we present some information of interest to you to qualify for a Home Depot credit card.

Qualifying for a Home Depot credit card

Home Depot credit cards are always co-issued through an alliance with a bank, for example, in the case of the United States and Canada through CITIBANK and Banamex in the case of Mexico.

The Home Depot uses credit score information from Equifax, one of the three largest credit reporting agencies in the United States, to determine if applicants qualify for a Home Depot credit card.

Like other companies, The Home Depot does not disclose specific information about credit score requirements. Applicants with lower credit scores may still qualify, but receive lower credit limits and higher interest rates. The best way to find out if you qualify for a Home Depot credit card is to apply for one.

Credit card for individuals

You must be at least 18 years of age to apply for the Home Depot consumer credit card.

Apply at Home Depot stores or online. To apply online, visit The Home Depot website. Click the “Credit Services” link to the right of the search box. Under the heading of consumer credit, click on ” Apply Now.”

Fill out the required fields on the application form, including name, address, date of birth, Social Security number, total annual income, and photo identification information (driver’s license). Enter your previous address, if you have lived at your current address for less than a year.

Confirm that you have read and agree to The Home Depot Consumer Credit Card’s initial disclosure statement and terms and conditions, including rates, fees and other costs. Then click on “Verify application”.

Corporate credit card

Apply in store or online. To apply online, visit the Home Depot website. Click the “Credit Services” link to the right of the search box.

Under the heading of commercial credit, click on “Apply Now” for the heading The Home Depot Commercial Revolving Credit Card you have two options to choose from: low monthly payments or paying in full each month and The Home Depot Commercial Account payment due in full each month. Select the one that suits you best.

Fill in the required fields such as business name, address, phone number, total annual income, and tax identification number. Enter your Social Security number if you are a sole proprietor and do not have a tax identification number. Complete a joint and several liability and related form.

Confirm that you have read and agree to the initial disclosure statement and terms and conditions. Finally you click on “Verify the application”.

Credit scores for consumers and businesses are determined by a complex calculation or “credit scoring” based on criteria such as the number of credit cards, credit history, loan and card balances coupled with whether you have experienced negative financial events, such such as bankruptcies or foreclosures.

A six-month interest-free promotional offer, loyalty points and access to a catalog of promotions seem to be the most important incentives of the Home Depot credit card according to, interest deferral is only available on cards of personal credit.

Depending on your credit score, the interest rate on your Home Depot consumer credit card will range from 18% APR ( Annual Percentage Rate ) to 30%. Less than half of the applicants qualify for a rate below 26%.