Myhomedepotaccount.com Commercial (2024)

FAQs

How hard is it to get a Home Depot commercial account? ›

To receive The Home Depot Commercial Account, you must meet our credit qualification criteria. Your credit limit will be determined by a review of your credit report and, in some instances, a review of such other financial information as we may ask you to provide.

What is a Home Depot Business Account? A Home Depot business account is an account offered by the company, exclusive to businesses. The commercial tradelines charge no annual fees, include flexible payment options, itemized billing statements, and online account management.

Go to the Home Depot® Credit Card registration page. Click on “Register your card” below the “Sign on” button. Enter your card number, your name as it appears on your card, the 3-digit security code you see on your card, and the last 4 digits of your Social Security number (SSN). Then, click on “Verify.”

Keep in mind that the Home Depot® Business Credit Card card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score.

The Home Depot® Credit Card requires a credit score of 640 or higher, as you need fair credit or better for approval. Your income, employment status, payment history, and debt level will also be considered when you apply for the Home Depot Credit Card.

The credit score for Lowe's card is 640, at a minimum.

Home Depot Pro Xtra is a members-only loyalty program built for professionals. But it doesn't mean only professionals can join. You don't have to be a contractor or own a business to be a member. To sign-up, just go to its website and click "join now" to become a Pro Xtra member and start earning perks immediately.

Business checking accounts let you take in business revenue and pay for business expenses, while personal accounts are meant for your personal income and bills. In fact, some bank account agreements prohibit customers from using personal accounts for business spending.

Fortunately, Home Depot reports to each major business credit bureau, which includes Dun & Bradstreet (D&B), Equifax Business, and Experian Business. That makes it an invaluable addition to your credit mix. The business account generally won't show up on your personal credit reports with Equifax or Experian.

This retail credit card comes with several benefits and perks, but you won't get any Home Depot Credit Card rewards on your purchases. You also won't be able to use your Home Depot Card anywhere outside of Home Depot, making it potentially less useful than other top credit cards that reward home improvement purchases.

Who gets 10% off at Home Depot? ›

Home Depot - 10% OFF

Home Depot offers a 10% OFF military discount on regularly priced merchandise for in-store purchases for active duty, retired military, and reservists at participating locations.

You can check your Home Depot® Business Credit Card application status online or by calling (800) 685-6691.

To receive The Home Depot Commercial Account, you must meet our credit qualification criteria for those accounts. Your credit limit will be determined by a review of your credit report and, in some instances, a review of such other financial information as we may ask you to provide.

Typically, qualifying for an SBA loan requires a minimum credit score of 660. For SBA 504 loans, the minimum is usually 680.

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.

Fortunately, Home Depot reports to each major business credit bureau, which includes Dun & Bradstreet (D&B), Equifax Business, and Experian Business. That makes it an invaluable addition to your credit mix. The business account generally won't show up on your personal credit reports with Equifax or Experian.

The Home Depot Commercial Accounts are only for business or commercial purposes. They are not for personal, family or household purposes.

Pro Xtra is a rewards program for contractors and other professionals who do business with The Home Depot. You don't have to be a professional or own a business to join, best of all it's free!

Q: Is there a cost to join Pro Xtra? A: No, Pro Xtra is completely free to join. Q: Want to learn more about the Pro Xtra Loyalty Program? A: To learn even more about Pro Xtra, see our Terms & Conditions or call the Pro Xtra Customer Care dedicated number at 866-333-3551.