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You need a credit score of 640 (fair credit) or higher to get the Home Depot® Credit Card. The issuer will also take into account factors such as your income, employment status, payment history, and debt level when evaluating your application.
Home Depot® Credit Card Approval Requirements:
- Credit score requirement:A credit score of 640+ (fair credit).
- Age requirement:Must be at least 18 years old. If you’re under 21 years old, you must have proof of independent income or a co-signer.
- Residency requirement:You must be a U.S resident. Address must be a physical location in one of the 50 U.S. states or Washington D.C. Note that P.O. box addresses will not be accepted.
- Basic application info:Includes full name, address, phone number, Social Security number, and birthdate.
- Financial info:Includes monthly rent or mortgage payment, residence status (own/rent), and total annual net income (annual income after taxes).
If you get approved for the Home Depot® Credit Card, you will receive a credit limit of at least $300. For the Home Depot® Business Credit Card, your credit line will be at least $500.
Keep in mind that the credit score needed for a Home Depot® Credit Card could also get you a number of good credit cards that can be used anywhere. For example, the Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases. However, it comes with a $39 annual fee. For business owners, Capital One Spark Classic for Business gives 1% cash back on all purchases and has a $0 annual fee.
This answer was first published on 04/02/21 and it was last updated on 04/09/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Home Depot® Credit Card
Home Depot® Credit Card
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Kimcordero01, Member
@Kimcordero01
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My Transunion score is 652, Equifax is 683.... and I was denied a HD card... and no, I do not have any other outstanding cards. Only negative thing I have is school loans...11 years of payments and my balance is twice the amount of my original loan!
This answer was first published on 05/28/22 and it was last updated on 06/20/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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I would check with your loan officer on that. They have a LOTTT of new programs to help you drop some of that student loan debt. You'd be surprised at how much those will still influence your score even with on time payments. I started with a Capital One Card (Platinum) now I have their Wal-Mart and Quicksilver, too but I made the mistake of cosigning for someone and they let the car go back ... so I make progress, progress, almost to the good mark, then I take a 22 pt hit again because they're not making payments on what's still owed. Plus I have one student loan lol. Wallet Hub, Nerd Wallet, and Credit Karma are all good apps to use for helping you get where you want to be though. Good luck!
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Barry Adams, Member
@barry_adams_1
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If you're over 650, you should have more than a reasonable chance at approval.
This answer was first published on 02/27/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Erron Scott, Member
@lopez19761
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HomeDepot uses Citibank for their card.
My Equifax score was 638.
I was approved for a $500 limit on 2/20/2020.
This answer was first published on 02/18/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Home Depot® Business Credit Card and Home Depot® Credit Card
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