How To Use A Home Depot Credit Card

If you're a regular shopper at Home Depot, you may be wondering if it's worth getting a Home Depot credit card. After all, who doesn't love racking up points and rewards on their everyday purchases?

Here's a quick guide on how to use a Home Depot credit card so you can decide if it's the right choice for you.

Choose the right card for you.

There are two main types of Home Depot credit cards: the Consumer Credit Card and the Business Credit Card. Both cards offer great benefits, but depending on how you shop at Home Depot, one may be better suited for you than the other.

If you're a small business owner or frequently shop for business purposes, the Business Credit Card is probably the better choice. It comes with exclusive discounts and perks, such as 6 months of special financing on purchases of $299 or more.

Use your card for everything.

To maximize your rewards, you'll want to use your Home Depot credit card for all of your purchases, both big and small. That way, you'll earn points on everything from lumber to light bulbs.

Pay your balance in full and on time.

This is key for two reasons. First, you'll avoid paying interest on your purchases. Second, paying your balance in full and on time each month will help you build a strong credit history, which can benefit you in the long run.

Keep an eye on your account.

Once you've been using your Home Depot credit card for a while, it's a good idea to check in on your account every so often. This will help you stay on top of your points balance and ensure that everything is running smoothly.

Use your points wisely.

When it comes time to redeem your points, you'll want to use them in a way that gets you the most bang for your buck. For example, you may want to wait to redeem your points until you have enough for a big-ticket item, like a new tool set or a lawn mower.

Now that you know how to use a Home Depot credit card, you can start earning rewards on your everyday purchases. Just be sure to pay your balance in full and on time each month, and you'll be well on your way to racking up some serious points.