The Home Depot® Credit Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $300, and some cardholders report having limits as high as $25,000. In general, though, the card is not considered a “high-limit” card because it does not guarantee a $5,000+ credit limit.
Keep in mind that the starting credit limit you get on the Home Depot® Credit Card won’t necessarily be the credit limit you have forever, as you can get credit limit increases. It’s a good rule of thumb to wait until you have at least six consecutive months of on-time payments before you ask for a credit limit increase. You may also receive automatic credit limit increases if you manage the account responsibly.
This answer was first published on 06/22/23 and it was last updated on 01/12/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
The Home Depot® Credit Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $300, and some cardholders report having limits up to $25,000.
What is the highest credit limit for a Home Depot credit card? ›
The Home Depot credit card is a store-branded credit card for use can be used only at Home Depot. It offers 0% interest for six months on projects over $299 and offers credit limits up to $55,000 for those who qualify.
How much credit can I get with Home Depot? ›
If you get approved for the Home Depot® Credit Card, you will receive a credit limit of at least $300. For the Home Depot® Business Credit Card, your credit line will be at least $500.
How often does Home Depot increase credit limits? ›
The Home Depot® Credit Card will increase your credit limit no more than once every 6 months, generally. This time frame applies whether you request a credit limit increase yourself or wait for Citibank to offer you an automatic increase. It's typical for credit cards to have a waiting period between increases.
How hard is it to get a Home Depot credit card? ›
It has fairly relaxed credit requirements; we recommend fair to good credit for approval. You can get no-interest financing for as long as two years, which can help finance large home improvement projects.
Is $25,000 a high credit card limit? ›
Yes, $25,000 is a high credit card limit.
What are the chances of getting approved for a Home Depot credit card? ›
Your Home Depot® Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Home Depot® Credit Card will also be influenced by your annual income and existing debts.
What kind of credit score is needed for a Home Depot credit card? ›
Home Depot Credit Card Requirements
Credit score requirement: A credit score of 640+ (fair credit); Age requirement: Must be at least 18 years old. If you're under 21 years old, you must have proof of independent income or a cosigner; Residency requirement: You must be a US resident.
How to get an increase on a Home Depot credit card? ›
You can increase your Home Depot® Credit Card credit limit by making a request online, or by calling customer service at (800) 677-0232. Alternatively, you may also get a Home Depot® Credit Card credit limit increase without asking, if your account is in good standing.
How to check Home Depot credit limit? ›
You can check your Home Depot® Credit Card available credit either online, or by calling customer service at (800) 677-0232. Note that while you can spend up to your entire credit limit, bringing your available credit to zero is not a good idea.
The Home Depot Consumer Credit Card can only be used on purchases at Home Depot. The card is issued by Citibank and offers different financing options.
Why can't I get approved for my Home Depot credit card? ›
There can be several reasons why your Home Depot® Credit Card was denied. In most cases, this happens because: Your credit score is too low. You don't have enough income.
Who does Home Depot pull credit from? ›
Citibank issues the The Home Depot Consumer Credit Card* and will perform a hard inquiry to determine your creditworthiness. Citi will collect your employer and bank information and credit bureau information to determine whether you meet its criteria and determine your credit limit.
What credit card has a $100000 limit? ›
On our list, the Ramp Corporate Card and the Chase Ink Business Premier Preferred Credit Card offer the best opportunity to access a $100,000 credit limit. Ramp determines your spending limit based on factors like your cash-on-hands and monthly expenses, while Chase uses creditworthiness to calculate your credit limit.
What is the highest credit limit for a 750 credit score? ›
Christie Matherne, Credit Card Writer
The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible.
What is the maximum credit card limit you can get? ›
The highest credit card limit you can get is over $100,000 according to reports from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high limit credit cards offer spending limits of $10,000 or more.
