Core Insights - The Home Depot Consumer Credit Card lacks rewards for frequent shoppers and offers limited additional benefits [1][6][11] - It is primarily a store credit card, usable only at Home Depot locations and online [12][14] Summary by Category Card Overview - The Home Depot Consumer Credit Card has an annual fee of $0 and a high purchase APR of 29.99% [4] - A welcome offer allows new cardholders to save up to $100 on qualifying purchases until January 28, 2026 [4] Financing Options - Cardholders can access no-interest financing on purchases of $299 or more if paid in full within six months [4][31] - Special financing offers may include deferred interest promotions, with terms ranging from six to 24 months [5] Rewards and Benefits - The card does not earn any rewards, making it less appealing for those seeking benefits on everyday purchases [6][9][11] - Benefits include $0 liability for unauthorized charges and an extended return policy window on eligible purchases [7][14] Target Audience - The card is best suited for customers who frequently make large purchases at Home Depot, particularly those of $299 or more [10][30] - It is not recommended for individuals looking for a general rewards credit card or better sign-up bonuses [10][30] Usage Limitations - The card can only be used at Home Depot stores and on HomeDepot.com, limiting its flexibility compared to cash-back credit cards [12][14]

If you have a rewards credit card from a major credit card issuer, chances are it has benefits or perks that reset each year. We’ve compiled this list as an easy-to-use asset for checking card perks that reset yearly so you don’t miss out on getting value from your credit card. Remember, waiting until the end of the year to check your card benefits might be too late. Table of contents American Express $100 Resy credit: Get up to $50 back semiannually in statement credits each calendar year for eligible ...