No annual fee.

You can start enjoying the benefits of this charge card without paying an upfront fee.

Fuel discounts at up to a 2% rewards rate.

To earn discounts on fuel, register at the Home Depot Card Benefits site. You’ll receive a Fuel Rewards card you can use at participating Shell and other partner stations.

For every $100 in eligible purchases you make at Home Depot, you can save $0.10 per gallon through the Fuel Rewards program. This discount applies on up to 20 gallons of fuel per purchase, meaning you’ll get up to a 2% rewards rate on your Home Depot spending.

60-day payment terms.

Cash flow is a common business concern, and this card can help you overcome it. To activate this benefit, register at the Home Depot Card Benefits website.

After you make a qualifying Home Depot purchase, you’ll have 60 days to pay it off without accruing interest.

One-year return window.

After you register at the Home Depot Card Benefits site, you can return products up to one year after you’ve purchased them. After making your returns, you’ll receive credit on your The Home Depot® Commercial Revolving Charge Card.

Flexible payment options.

You can make monthly payments or pay your entire balance each month. Home Depot’s other commercial product require payment in full each month.

Issue cards to authorized users.

You can designate employees who are allowed to make purchases on your card account. This might allow you to make Home Depot purchases more efficiently.

When you apply, you can request up to four additional cards. Once you’re approved, you can request more.

Account management options.

Receive itemized billing statements that list purchases by SKU. You can also track purchases by job name, job number or PO number.

You can log in to your Home Depot card account to check your account balance and pay your bill.

Complimentary Pro Xtra Membership.

You’ll be enrolled in Home Depot’s Pro Xtra membership, which offers benefits like paint rewards, volume discounts, purchase tracking and reloadable purchase cards. Pro Xtra membership is free and open to everyone.

Why we want Home Depot Credit Card

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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