Home Depot Commercial Revolving Charge Card

Key Benefits

All Benefits

• $0 annual fee on the Home Depot Commercial Revolving Charge Card (issued by Citi Retail Services for business customers — contractors, property managers, facilities teams, and small businesses purchasing supplies at The Home Depot)
• Welcome bonus: Not offered on the Home Depot Commercial Revolving Charge Card (this is a store-financing card, not a rewards card; Citi Retail Services and The Home Depot do not publish a sign-up bonus for new account openings on the Commercial Revolving line — promotional financing is the primary value proposition instead)
• Rewards / points / cash back: Not offered on this card (the Commercial Revolving Charge does not earn points, miles, or cash back on any purchases; it is a closed-loop store charge account designed for working-capital management at The Home Depot, not for rewards accrual)
• Primary value: promotional financing on qualifying Home Depot purchases — historically 6 months of 0% interest (no interest if paid in full within the promo window) on single-receipt purchases of $299 or more at The Home Depot stores and Home Depot Online; promotional financing terms are periodically extended to longer windows (e.g., 12 or 24 months) on specific qualifying purchases such as flooring, appliances, or large project orders
• Promotional financing structure: if the promo balance is not paid in full by the end of the promo period, interest is assessed from the original purchase date at the standard purchase APR on the Commercial Revolving Charge (this is deferred-interest financing, common to Citi Retail Services store cards — read your cardholder agreement for the exact post-promo APR)
• Store card / closed-loop network: the Home Depot Commercial Revolving Charge Card is accepted only at The Home Depot stores in the U.S. and at homedepot.com — it does NOT run on the Visa, Mastercard, American Express, or Discover networks and cannot be used at any merchant outside of The Home Depot
• Network acceptance outside Home Depot: Not offered (this is a private-label store charge card; you cannot use it at gas stations, grocery stores, restaurants, Lowe's, Ace Hardware, online marketplaces, or any other retailer — for general-purpose contractor spend, pair this card with a Mastercard/Visa/Amex small-business card)
• Multiple authorized users at no additional charge: account owners can add employees, partners, foremen, and crew members as authorized buyers on the same Commercial Revolving account with no per-card fee, giving the business central billing while distributing purchasing authority to the field
• Per-user purchase controls: business owners can set individual purchasing limits, restrict authorized users to specific store locations or categories, and revoke buyer access at any time through Home Depot Commercial Account management — useful for controlling crew spend on active job sites
• Itemized purchase tracking: each transaction on the Commercial Revolving statement is itemized with PO number, job name, employee name, and store location (subject to what the buyer enters at checkout), making it materially easier than a general-purpose business card to reconcile receipts to job-cost accounting
• Itemized invoice download: account holders can download itemized purchase history in CSV/Excel from the Home Depot Commercial Account portal, which exports line-item detail (SKU, description, quantity, unit price, employee, job name, PO) for import into QuickBooks, Sage, Procore, and other accounting / job-cost systems
• PO (purchase order) tracking at checkout: the in-store and online checkout flow lets the buyer enter a PO number, job name, or job code that is then printed on the receipt and rolled up onto the consolidated monthly statement — a workflow specifically designed for contractors and property managers running multiple concurrent projects
• Consolidated monthly billing: all authorized-user purchases roll up to a single monthly statement to the primary account holder, simplifying AP processing versus tracking individual employee p-cards
• Pro Xtra (Home Depot's Pro Loyalty Program) integration: Commercial Revolving cardholders can link the card to a Pro Xtra account to earn Pro Xtra Perks (volume pricing, paint rewards, bulk pricing, exclusive offers), receive Pro Xtra Pro Pricing on qualifying tier upgrades, and consolidate purchase tracking across the Pro Xtra dashboard — this is the primary loyalty layer for Pros, since the Commercial Revolving itself earns no points
• Pro Xtra eligibility for Paint Rewards: Pro Xtra members who use the Commercial Revolving Charge Card to buy qualifying paint earn Paint Rewards tier discounts (10% / 15% / 20% off, depending on annual paint spend tier) as administered by Pro Xtra, not by the card itself
• Bulk purchasing convenience: high credit lines (Citi Retail Services has historically extended five- and six-figure credit lines on the Commercial Revolving to qualifying business applicants) accommodate large single-day project purchases of lumber, drywall, appliances, and bulk materials that would max out a general-purpose business card
• Online account management at homedepot.com / Citi Retail Services portal: cardholders can pay bills online (ACH or debit), view current and prior statements, add/remove authorized buyers, set purchase controls, dispute charges, change billing address, and update tax-exempt status
• Tax-exempt purchasing: businesses with valid resale or tax-exempt certificates can register the Commercial Revolving account for tax-exempt purchases at The Home Depot, with the exemption applied automatically at checkout once the account is enrolled in the Home Depot Tax Exempt ID program
• Mobile app support: Home Depot Pro app and the Citi Retail Services payment tools allow on-site payment, balance check, and statement review from a phone — practical for foremen managing card activity while on a job site
• Foreign transaction fees: Not applicable (the card is not usable outside The Home Depot's U.S. operations, so foreign transactions do not occur on this product; if your business needs international purchasing, use a different card)
• Transfer partners / points-to-miles transfers: Not offered (the Commercial Revolving Charge does not participate in any airline, hotel, or transferable-points program — Citi ThankYou Rewards is a separate Citibank consumer program and does not extend to Citi Retail Services private-label store cards)
• Travel benefits — airport lounge access, Priority Pass, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay reimbursement, lost luggage reimbursement, auto rental CDW, Global Entry / TSA PreCheck application credit, hotel elite status, airline elite status, free checked bags, priority boarding, companion certificates: NONE of these are offered (this is a closed-loop store charge card for business operating spend at The Home Depot; travel and lifestyle benefits do not apply to this product category)
• Purchase Protection, Extended Warranty Protection, Return Protection, Cell Phone Protection, Price Protection: Not offered on the Home Depot Commercial Revolving Charge Card (Citi Retail Services private-label cards do not carry the consumer-protection benefit suite found on Citi-branded Mastercard/Visa products like the Citi Strata Premier or Citi Custom Cash; for any purchase protection you would rely on The Home Depot's own return policy and the product manufacturer's warranty)
• Concierge service, hotel collection benefits, fine hotel program, dining program: Not offered (these are Visa Infinite, Visa Signature, World Elite Mastercard, and Amex Platinum benefits and do not apply to a private-label store financing card)
• Cash advances and balance transfers: Not offered (the Commercial Revolving is a closed-loop charge account; you cannot take a cash advance against it or transfer balances from other cards to it — for working-capital cash needs, use a business line of credit or a general-purpose business card instead)
• $0 fraud liability: cardholders are not liable for unauthorized charges that are promptly reported, consistent with Citi's standard zero-liability policy across Citi Retail Services accounts
• Best use case: contractors, remodelers, property managers, facilities teams, and small businesses that do meaningful recurring volume at The Home Depot and want (a) deferred-interest financing on large project purchases, (b) per-employee purchase tracking and PO-coded itemized billing, and (c) high credit lines without an annual fee — paired with a general-purpose business rewards card for everything that is not bought at The Home Depot
• Not the right card for: businesses that want to earn rewards on Home Depot spend (instead, use a 2%+ flat-rate business card like the Capital One Spark Cash Plus, Wells Fargo Signify Business Cash, or U.S. Bank Business Triple Cash Rewards at The Home Depot — you will earn rewards, but you will give up the deferred-interest financing and the per-employee PO-coded itemization that the Commercial Revolving uniquely provides)