Home Depot Credit Card with Deferred Interest

Apply for the card on a issuer's secure site Apply Now
at issuer’s secured site
bad credit
intro purchase APR deferred interest for 12,18, 24 moregular APR17.99 - 26.99%

no annual fee

no interest on qualifying purchases if paid in full in 12,18 or 24 months.

Editors Review

Pros

  • no annual fee
  • Deferred interest offer - no interest if paid in full in 12 months (for purchases $299-$998.99), 18 months (for $999-$1998.99 purchases), or 24 months (for everything up from $1999)

Cons

  • no in-store discounts offered (see Lowe's credit card)
  • high APR for bad credit - up to 26.99%

Verdict

The only use case for that card is to use if for deferred interest on a qualifying purchase. This scenario is risky, because if you fail to pay your entire purchase off in time, you owe an interest at a very high rate.

 

Last updated: 09/07/2016









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