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Which card should I use at Home Depot?

The Business Platinum Card® from American Express has its own rate at Home Depot. Every rate below was checked against the card issuer's or the store's own pages.

Cards are ordered by the value they earn per dollar here at our Balanced point values. The order is never paid for. Value per $100 assumes you have room left under any earning cap. Where a rate needs a membership, the value is for the first rate the row shows.

How purchases at Home Depot are counted

Citi describes the Home Depot Consumer Credit Card's benefits as special financing on purchases of $299 or more and a full year for returns.

The Pro Xtra Credit Card, Home Depot's store card for professionals, counts each $1 of qualifying purchases as $4 toward Pro Xtra Perks, up to $1,000,000 of purchases in each program period. This page does not put a dollar value on Perks.

Home Depot's Commercial Account, a pay-in-full account built for professionals, takes 2% off the purchase subtotal, before sales tax, when you pay the invoice online within 20 days of the transaction date. Otherwise it gives you 60 days to pay.

American Express pays the Business Platinum Card's 2x at U.S. construction material and hardware suppliers: stores whose main business is selling supplies such as lumber, hardware, paint and plumbing.

Cards at Home Depot

Cards with their own rate at Home Depot

Cards at Home Depot: Cards with their own rate at Home Depot
CardWhat it earns hereValue per $100
The Business Platinum Card® from American ExpressBusiness2x pointsOn up to $2 million a year across the card's 2x purchase types.$4.92

No annual fee

Cards at Home Depot: No annual fee
CardWhat it earns hereValue per $100
The Blue Business® Plus Credit Card from AmexBusiness2x pointsOn up to $50,000 a year across every purchase on this card, then 1x.$4.92
Citi Double Cash® Card2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank.$4.62
Chase Freedom Unlimited1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$3.35
Chase Ink Business UnlimitedBusiness1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$3.35
Capital One VentureOne BusinessBusiness1.5x miles$3.27
GM Rewards™ Mastercard® from Barclays3x pointsYou need a GM MyAccount to redeem GM Rewards points on GM websites, in GM mobile apps or through a GM vehicle.$3.00
American Airlines AAdvantage® MileUp℠ Card1x miles$3.00
Robinhood Gold Card3% cash backNeeds an active annual Robinhood Gold membership.$3.00

Annual fee

Cards at Home Depot: Annual fee
CardWhat it earns hereValue per $100
Bilt Palladium Card2x points$5.02
Capital One Venture Rewards Credit Card2x miles$4.36
Capital One Venture BusinessBusiness2x miles$4.36
Capital One Venture X Rewards Credit Card2x miles$4.36
Capital One Venture X Business CardBusiness2x miles$4.36
Air France KLM Visa Signature1.5x miles$3.75
Citi Strata Elite℠ Card1.5x points$3.47
United Club℠ Business CardBusiness1.5x miles$3.45

Other cards earn here too. Check the cards you hold in Which Card.

A card is listed only once we have read its rate on the issuer's or the store's own page.

Questions

What benefits does Citi list for the Home Depot Consumer Credit Card?
Citi lists special financing on purchases of $299 or more, and a full year for returns.
Is the Commercial Account's 2% a reward?
No. It is 2% off the purchase subtotal, before sales tax, when you pay the invoice online within 20 days of the transaction date.

Sources

Every rate and store fact on this page comes from the issuer's or the store's own pages, checked between October 14, 2026 and November 7, 2026. Where a site refuses automated reading, we read its latest archived copy. The oldest is an archived copy from July 14, 2026.

Store names are trademarks of their owners. PointBagel is not affiliated with them.