Home Depot offers several credit options for consumers that work similarly to regular bank credit cards, allowing customers to obtain a bigger budget for their DIY projects.
Since these work like regular credit cards, you may be wondering if you can use your Home Depot credit card at other stores. Read on to find out what I’ve discovered about this!
Can I Use My Home Depot Credit Card Anywhere?
Home Depot’s credit card can only be used for purchases and rentals (except for gift cards) at Home Depot stores and online. Unfortunately, the Home Depot credit card cannot be used at Walmart or Lowe’s and cannot be used internationally in Mexico or for the purchase of gasoline.
If you want to learn more about where and when you can use Home Depot’s credit card, whether you can rent tools or buy gift cards, and much more, keep reading!
Can I Use My Home Depot Credit Card Online At HomeDepot.com?
The Home Depot credit card can be used for online purchases at homedepot.com.
Note that Home Depot accepts multiple forms of payment on its website, including the Home Depot Consumer Credit and the Home Depot Commercial Credit Account.
Can I Use My Home Depot Credit Card Before It Arrives?
You can use your Home Depot credit card before it arrives using a temporary card or code issued upon approval.
It is recommended that you apply in-store for a Home Depot credit card so that you are given a temporary card to use in the time it takes for your actual card to arrive.
The card can take up to two weeks to arrive from the time of approval, meaning the temporary code or card can come in handy for those wishing to shop in the meantime.
Can I Use My Home Depot Credit Card In-Store If I Don’t Have The Card With Me?
According to employees, if you do not have your Home Depot credit card with you, an employee can look up your card and allow a purchase to be made this way.
However, remember that you will need a valid photo ID to allow an employee to find your information for checkout if you don’t have the physical card with you.
Additionally, you can also make payments to your account in this way if you do not have your card present.
Can I Use Someone Else’s Home Depot Credit Card?
To use someone else’s Home Depot credit card (in-store or online), you will need to ensure that you are an authorized user of the card.
Customers can add and remove authorized users online through their Citibank online account.
To add a user, go to your online account with Citi, click on your Profile, and then find Manage Authorised Users.
Can I Use My Home Depot Credit Card To Buy Gift Cards?
Home Depot accepts the use of regular credit cards to buy Home Depot gift cards.
However, the Home Depot Consumer Credit card is not an acceptable form of payment, nor are other Home Depot credit card options.
These are not accepted as valid forms of payment because the site is operated by a third party rather than Home Depot itself.
Can I Use My Home Depot Credit Card To Rent Tools In-Store?
Tools can be rented from Home Depot to help you with any DIY project and to save you from buying a tool you won’t use again.
The Home Depot website states that to rent a tool; you will need a government-issued photo ID and a credit card for the deposit.
Since the FAQs do not exclude the Home Depot credit card from the payment methods list, we can safely assume you can use a Home Depot credit card.
What Bank Does The Home Depot Credit Card Use?
Home Depot runs all its credit options (including the Consumer and Commercial Accounts) through Citibank.
Even though the credit cards are approved by an outside source, they cannot be used anywhere else apart from Home Depot stores and online at HomeDepot.com.
If you want to learn more about Home Depot payment plans and credit cards, you can also read our related articles on Home Depot Home Improver Card, if Home Depot accepts PayPal, and if Home Depot accepts American Express.
Conclusion
The Home Depot credit card cannot be used outside the Home Depot stores and website.
When you are approved for a Home Depot credit card, you will get a temporary card or code to use for payment before you get your physical card.
If you do not have your credit card, a Home Depot employee can look up your details and allow you to pay with a valid photo ID.
Keep in mind that you cannot buy gift cards with the Home Depot credit card, but you can rent tools or trucks using one.
