What the Home Depot Pro Xtra Credit Card Is
The Home Depot Pro Xtra Credit Card is a business credit card issued by Synchrony Bank that is designed for contractors, builders, and other professionals who buy materials regularly at Home Depot. Unlike the standard Home Depot credit card, the Pro Xtra version offers higher credit limits, special financing terms, and rewards that accumulate faster on large purchases.
The card is not a general-purpose credit card — it can only be used at Home Depot and Home Depot subsidiary stores. You cannot use it at other retailers. The card is issued to a business or to an individual contractor, and Synchrony will run a business credit check, not just a personal credit check, to decide whether to open the account.
Home Depot does not charge an annual fee for the card. You pay interest on any balance you carry month to month, unless you take advantage of a promotional financing offer, which Home Depot runs periodically for cardholders.
Key Takeaways
- The Pro Xtra card is issued by Synchrony Bank and works only at Home Depot stores, not at other retailers.
- You earn rewards points on every purchase, with higher earning rates on bulk materials and contractor-focused product categories.
- Home Depot offers periodic promotional financing periods — often 6, 12, or 24 months interest-free — for cardholders on purchases above a certain amount.
- The card requires a business credit check and is intended for contractors and professionals who make regular large purchases.
- You manage the account online through Synchrony's portal or the Home Depot website, where you can view statements, make payments, and track rewards.
How Rewards Points Work on the Pro Xtra Card
The Pro Xtra card earns rewards points on every dollar you spend at Home Depot. The earning rate depends on what you buy. You earn 4 points per dollar on purchases in certain contractor categories — such as tools, lumber, and electrical supplies — and 1 point per dollar on other purchases. Home Depot updates the list of bonus categories periodically, so check your account or ask in-store which products earn at the higher rate.
Points accumulate in your account and do not expire as long as your account remains open and active. You redeem points for Home Depot gift cards, which you can use when ready on any purchase. The redemption rate is typically 100 points equals a $1 gift card, though Home Depot occasionally runs bonus redemption promotions where your points are worth more.
Points are not the same as cash back. You cannot withdraw them as money or transfer them outside Home Depot. If you close the account, you lose any unredeemed points, so track your balance and redeem before closing.
Promotional Financing Offers for Cardholders
Home Depot regularly offers promotional financing periods to Pro Xtra cardholders. These are typically 0% interest for 6, 12, or 24 months on purchases of $299 or more, though the exact terms and minimum purchase amount change. You must be a cardholder to see these offers, and they are usually advertised in your account, in-store, or in emails Home Depot sends to cardholders.
If you take a promotional financing offer and pay off the full balance before the period ends, you pay no interest. If you carry a balance past the end of the promotional period, the regular interest rate applies to any remaining balance. The regular interest rate (called the APR, or annual percentage rate) varies based on your creditworthiness and is disclosed when you open the account.
Promotional offers are not automatic — you must set up them at the time of purchase, either by telling the cashier or by selecting the offer in your online account before you check out. If you miss the set up window, you will not receive the promotional rate.
How to Open a Pro Xtra Account
You can open a Pro Xtra account in person at any Home Depot or online through the Home Depot website. In-store, ask a cashier or visit the customer service desk and say you want to open a Pro Xtra business credit card. Online, go to the Home Depot credit card page and select the Pro Xtra option.
You will need to provide your business information — business name, business type, and tax ID or Social Security number — and personal information such as your name, address, and phone number. Synchrony will perform a hard credit inquiry, which temporarily lowers your credit score by a few points. The decision is usually made when ready or within a few minutes.
If you are approved, the card is activated when ready for online use. If you applied in-store, you can use the card right away. If you applied online, you can use it online when ready, and a physical card will arrive in the mail within 7 to 10 business days. You do not have to wait for the physical card to start shopping.
Managing Your Account Online and Making Payments
You manage your Pro Xtra account through Synchrony's website or through the Home Depot website — both are connected to the same account. You can log in with your email address and password to view your current balance, recent transactions, available credit, and rewards points. You can also read statements and set up automatic payments.
Payments are due by the date shown on your statement, usually 20 to 25 days after the statement closes. You can pay online, by phone, by mail, or in person at Home Depot. If you pay online, the payment usually posts within one business day. If you set up automatic payments, Synchrony will deduct the amount you choose — the full balance, the minimum payment, or a fixed amount — on the date you select each month.
If you miss a payment, Synchrony will charge a late fee and report the missed payment to credit bureaus, which damages your credit score. If you are having trouble making a payment, contact Synchrony before the due date — they sometimes offer hardship options or payment plans.
Interest Rates and Fees to Know
The Pro Xtra card has no annual fee. You pay interest only on balances you carry from month to month. The interest rate (APR) is not a fixed number — it varies based on your credit score and credit history. When you open the account, Synchrony will tell you the APR you received. Rates typically range from around 15% to 25% APR, but your actual rate depends on your creditworthiness.
If you carry a balance, interest accrues daily on the unpaid amount. If you pay your full statement balance by the due date, you pay no interest. This is called the grace period — as long as you pay in full each month, you avoid interest charges entirely.
Late fees explore if you miss a payment. The fee is typically $25 to $35 for the first late payment and higher for subsequent ones. If your account goes 60 days past due, Synchrony may close the account and send it to collections, which severely damages your credit.
Pro Xtra Card vs. the Standard Home Depot Credit Card
Home Depot offers two main credit cards: the standard Home Depot card and the Pro Xtra card. The standard card is for general consumers and has lower credit limits. The Pro Xtra card is for business owners and contractors and offers higher credit limits, faster rewards earning on bulk purchases, and access to contractor-specific promotional financing offers.
Both cards work only at Home Depot. Both have no annual fee. The main difference is that the Pro Xtra card is designed for people who make large, frequent purchases and want rewards that reflect that volume. If you are a homeowner doing occasional repairs, the standard card may be sufficient. If you are a contractor or run a business that buys materials regularly, the Pro Xtra card usually offers better value through higher earning rates and better promotional offers.
You cannot hold both cards at the same time. If you already have the standard Home Depot card and want to switch to Pro Xtra, you will need to close the old card and open a new one, which involves a new credit inquiry.
Frequently Asked Questions
Can I use the Pro Xtra card outside of Home Depot?
No. The card works only at Home Depot and Home Depot subsidiary stores such as Expo Design Centers. You cannot use it at other retailers, gas stations, or online merchants. If you need a card for general business expenses, you will need a separate business credit card.
What happens to my rewards points if I close the account?
Any unredeemed points are lost when you close the account. Before closing, redeem your points for Home Depot gift cards and use them on a purchase, or give them to someone else to use. Once the account is closed, there is no way to recover the points.
How long does it take to receive the physical card in the mail?
The physical card usually arrives within 7 to 10 business days after approval. You do not have to wait for it to arrive — your account is active when ready, and you can shop online or in-store using your account number while you wait for the card.
Can I transfer my balance from another credit card to the Pro Xtra card?
No. The Pro Xtra card does not accept balance transfers. You can only charge new purchases to the card. If you want to pay off another card, you would need to use cash, a check, or a different payment method.
What is the credit limit on the Pro Xtra card?
Your credit limit depends on your credit score, income, and business history. Synchrony does not publish a standard limit. When you open the account, you will be told your specific limit. You can request a credit limit increase after you have had the card for a few months and have made on-time payments.