If you’re a business owner and need to load up on supplies for a specific building project, either the commercial account or Pro Xtra Credit Card might provide more benefit to you. If you are a new homeowner, have a variety of projects to do or rely on Home Depot frequently, The Home Depot Consumer Credit Card * is a store card with special financing options to help fund everyday household needs. Before choosing a home improvement credit card, consider why you want or need a credit card from Home Depot.