The The Home Depot Consumer Credit Card (Citibank) is a personal credit card from The Home Depot Consumer Credit Card (Citibank). Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 17.99%–26.99% variable. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Save up to $100 on your qualifying purchase when you open a new credit card account with The Home Depot.. Rewards: No interest if paid in full within promotional period on qualifying purchases. Up to 24 months financing on $2,000+ purchases. Save up to $100 on qualifying purchase when you open a new account.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..