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Current Home Depot credit card promotions: $25-$100 discount on a purchase of $25-$1,000+ in first 30 days: Home Depot Consumer Credit Card, Home Depot Commercial Credit Cards. 0% deferred interest for 6 months on purchases of $299 or more: Home Depot Consumer Credit Card. 7.42%-19.96% APR for 66-114 months: Home Depot Project Loan.
Maria Adams, Credit Cards Moderator. @m_adams • 09/16/24. The Home Depot® Credit Card has an introductory APR of 0% for 12 - 24 months on certain purchases. After the promotional rate expires, a regular APR ranging from 29.99% will apply retroactively to any balance remaining. This is called deferred interest, and it can be quite costly.
Deferred-Interest Financing Poses Risks. Home Depot periodically offers 0% financing “deals” of varying lengths, often with a specific spending threshold attached. For example, the Home Depot® Credit Card ’s base financing offer is 0% interest for six months on purchases of at least $299. Longer financing offers also are available from ...
The Home Depot® Credit Card is issued by Citibank. It is a store credit card that can only be used to make Home Depot purchases, is intended for applicants with fair credit or better, and offers an introductory APR of 0% for 12 - 24 months as well as up to $100 off your first purchase. The annual fee is $0.
The regular Home Depot® Credit Card interest rate is 29.99%, depending on your creditworthiness. You'll need at least fair credit (a credit score of 640+) for approval. If you have fair credit, you may end up with an APR on the higher end of the range. It's worth mentioning that the Home Depot® Credit Card offers a financing offer of 0% for ...
The average monthly credit card bill is a minimum payment of $110.50, based on the average American credit card balance of $5,525 and the average minimum payment percentage of 2%. It would take over 6 years of minimum payments for the average person to pay off their total credit card bill – assuming there are no new purchases – and it would ...
The average deferred interest transparency score increased in 2023, suggesting that retailers are trying to make their financing offers more consumer-friendly. Office Depot & OfficeMax, and Best Buy are the least transparent retailers regarding the use of deferred interest in 2023.
One of the best Home Depot credit card promotions is $100 off a single-receipt purchase of $1,000 or more in your first 30 days with the Home Depot Consumer Credit Card. You’ll also receive 0% deferred interest for 6 months on purchases of at least $299. If you pay the purchases off by the end of the intro period, you pay no interest.
John Miller, Credit Cards Moderator. @john_miller • 07/02/24. In order to get an interest-free promotion at Home Depot, the purchase made with your Home Depot® Credit Card has to be at least $299. Home Depot® Credit Card customers may also receive no-interest deals on certain products from time to time. Please note that the interest-free ...
The credit card with the longest 0% APR is the Wells Fargo Reflect® Card because it offers an introductory APR of 0% for 21 months from account opening on purchases and qualifying balance transfers - subject to a fee of 5% (min $5). The card's regular APR is 17.74% - 29.49% Variable, and it has a $0 annual fee.