The Home Depot Introduces New and Enhanced Credit Options for Pro Customers

January 11, 2022

The Home Depot, the world’s largest home improvement retailer, is enhancing its commercial credit offerings for Pro Customers and their businesses. The retailer introduced The Pro Xtra™ Credit Card, a new iteration of its Commercial Revolving Charge, as well as updates to its Commercial Account Card. Both credit options are powered by Citi Retail Services, one of North America's largest and most experienced retail credit solution providers.  

The Home Depot’s expanded commercial credit program aims to help Pros save time and money. The Pro Xtra Credit Card can be linked with the Pro Xtra loyalty program to earn registered users Pro Xtra Perks four times faster on card purchases. Pro Xtra is The Home Depot’s loyalty program which offers members-only benefits like volume pricing, exclusive product offers, paint rewards, perks and more. Upon approval, Pro Xtra members receive an offer to save up to $100 off of their next qualifying purchase.

To help ease the shopping and billing process, the Pro Xtra Credit Card and Commercial Account Card provide the following features:    

  • The ability to issue cards to entrusted employees to make purchases on their behalf. 
  • An extended return period of up to a full year, four times longer than a non-commercial credit purchase.  
  • Easy-to-read itemized billing statements and simplified purchase tracking options. 
  • Online account management through Citi Retail Services, including the ability to view, manage and make online payments from anywhere 


Additionally, Commercial Account Card members will receive flexible billing preferences including a 2% early pay discount if the bill is paid online within 20 days or an extended 60-day payment window. 

For more information about Home Depot’s Credit Card Services, stop by your local store or visit https://www.homedepot.com/c/Credit_Center.  

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