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Home Depot Commercial Revolving Charge Card
Citi Retail Services|Business
4/5
Annual Fee
$0
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Is this card worth it?
Annual fee
$0
Best for
Business
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Perks & memberships
2- Authorized usersMultiple 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
- Authorized usersPer-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
Travel & purchase protections
2- 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)
- $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
More benefits & fine print (12)ShowHide
- 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
- 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
- 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
- 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)
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