Citi
The Home Depot Consumer Credit Card
Estimated value every year on typical spending
$156/ year
Every year, after the annual fee. Year one adds a $100 welcome bonus: $256
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi The Home Depot Consumer Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending. The welcome bonus adds roughly $100 in the first year.
Its rewards are Home Depot, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not applicable
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Top perk
- 1-Year Hassle-Free Returns
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- $299 or more and a full year for returns
Sign-up bonus
$100 today on a qualifying purchase when you open a new credit card with The Home Depot®.
Best for
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are Home Depot, so we count them at half value)
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not applicable
- Regular APR
- Not listed
- $1200/mo on everyday spending earns about $72/year (0.5%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
The Home Depot Consumer Credit Card: questions people ask
Is the Citi The Home Depot Consumer Credit Card worth it?
With no annual fee, the Citi The Home Depot Consumer Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending. The welcome bonus adds roughly $100 in the first year.
What is the Citi The Home Depot Consumer Credit Card annual fee?
The Citi The Home Depot Consumer Credit Card has no annual fee ($0).
What is the Citi The Home Depot Consumer Credit Card welcome bonus?
Save up to $100 today on a qualifying purchase when you open a new credit card with The Home Depot®. We value it at about $100. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Citi The Home Depot Consumer Credit Card earn?
$299 or more and a full year for returns.
What credit score do you need for the Citi The Home Depot Consumer Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi The Home Depot Consumer Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.