Does The Home Depot offer net 30?
What The Home Depot’s own pages say about paying on invoice terms — and what they don’t say about building business credit.
The short answer
Program: The Home Depot Commercial Account (Citi Retail Services)
Commercial Account: invoice-style billing with a 2% early-pay discount if the invoice is paid online within 20 days, or 60 days to pay. Separate Pro Xtra Credit Card is a revolving card (minimum payments allowed), no annual fee.
How to get it
Apply through the Home Depot Credit Center (accounts are issued by Citi Retail Services). Subject to credit approval. US eligibility criteria are not published.
Does it build business credit?
The Home Depot doesn’t publish which business credit bureaus, if any, it reports to. Any list that names specific bureaus for The Home Depot is repeating something the company itself hasn’t stated.
If building business credit is your reason for opening the account, ask The Home Depot’s credit department in writing which bureaus receive your payment history — or use a vendor that publishes it. Our vendor directory lists who reports where, with dates.
What net-30 lists say
Net-30 lists often call the Home Depot Commercial Account a 'net 30' vendor that builds business credit; Home Depot's US pages state 60 days to pay (not 30) and say nothing about bureau reporting.
Common questions
Does The Home Depot offer net 30?
Not net 30: 60 days to pay (2% off if paid within 20 days). Commercial Account: invoice-style billing with a 2% early-pay discount if the invoice is paid online within 20 days, or 60 days to pay. Separate Pro Xtra Credit Card is a revolving card (minimum payments allowed), no annual fee.
How do I get net terms with The Home Depot?
Apply through the Home Depot Credit Center (accounts are issued by Citi Retail Services). Subject to credit approval. US eligibility criteria are not published.
Does The Home Depot report to business credit bureaus?
The Home Depot does not publish which business credit bureaus, if any, it reports to. Ask its credit department in writing, or use a vendor that publishes its reporting.
Sources
Taken from The Home Depot’s own pages or its named program partner — not from other net-30 lists. Terms change; confirm with The Home Depot before you rely on them. Last reviewed October 16, 2026.
- https://www.homedepot.com/c/credit-center
- https://corporate.homedepot.com/news/products/home-depot-introduces-new-and-enhanced-credit-options-pro-customers
- https://www.citi.com/credit-cards/home-depot-pro-xtra-credit-card
- https://www.homedepot.ca/en/home/credit-services/commercial-credit-faqs.html
We’re a supplier too, and we don’t take affiliate fees from anyone on this page. If something here is wrong, email info@peakdiscounters.com and we’ll correct it and re-date it.
Other retailers
Buy from The Home Depot for what it does well. Use us for Experian.
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