The Home Depot Consumer Credit Card
No annual fee · terms checked Oct 6, 2026
57/100
Cost28.5 / 60
Late rules5 / 10
Payoff room18.3 / 20
Setup5 / 10
Fits: An already planned Home Depot project fully paid before the individual promotion deadline.
Mind: Deferred interest can accrue from purchase date on promotional balance if not fully paid in time. No balance-transfer test; special24month offers and new-account discounts excluded.
Retail financing test · method julia_wallet_score/3 · scored Oct 6, 2026 · how the Wallet Score worksThe terms the test used
Months of 0% on purchases6
Months of 0% on balance transfersnull
Balance transfer fee (%)null
Balance transfer fee, minimum ($)null
Days to make the transfer0
Largest late fee ($)41
Penalty APR appliesNo
Deferred interestYes
Purchase APR after the offer (%)29.99
Run your own numbers
Sources and dates
The issuer’s own pages, read Oct 6, 2026. Terms change; the editorial policy says how often they are re-checked.
- Current6month everyday deferred-interest offer on299+ purchases; no ongoing cashback.
- AF0;6months299+; closed-loop Home Depot only; purchase-date retroactive interest if not fullypaid before promotion ends.
- Citi pricing edition49-0226:29.99% purchases; AF0; minimum interest2; late/returned max41.
- Current9-page issuer agreement: promotions paragraphs; first late/returned30 then41 within6cycles; payment allocation/minimum formula.