Citi Home Depot Commercial Cards Get New Benefits

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Last updated on February 20th, 2024

Citi and the Home Depot have announced new features for the Home Depot Pro Xtra Credit Card and The Home Depot Commercial Account Credit Card to make it easier for home improvement pros to earn rewards faster and save money.

Home Improvement Spending on the Rise

A new study by Angi highlights the growing costs associated with home improvement. According to the report’s findings, the average home improvement spend is rising 25% year over year

With homeowners spending more every year on projects, the Home Depot and Citi Retail Services are looking to make home improvement a little bit easier thanks to new features to Home Depot’s commercial credit card products. The new features (including the new Home Depot Pro Xtra Credit Card, a refreshed iteration of The Home Depot Commercial Revolving Credit Card), provide additional ways to save when remodeling, starting a new addition or completing any other home project.

citi home depot commercial credit card
citi adds features to home depot credit card

New Citi/Home Depot Commercial Card Features

Home Depot Pro Xtra Cardholders can automatically earn 4X Pro Xtra Perks spend credit when they join Pro Xtra, register their account, and use the card for qualifying purchases. This will help accelerate their ability to earn Pro Xtra Bucks or a digital gift card to The Home Depot. Once a cardholder has qualified for Bucks, they have 90 days to activate the reward and one year to redeem it online or in-store. This new accelerated earn opportunity with Pro Xtra Perks replaces the Fuel Rewards previously available with the card. Any remaining Fuel Rewards can be redeemed until 1/31/2022.

And, businesses with The Home Depot Commercial Account Credit Card are now eligible for a 2% Early Pay discount on invoices paid online within 20 days of the transaction date. Businesses also still can use the 60-day payment terms by calling the number on their card to sign up.

Cardholders with both closed-loop cards continue to receive attractive benefits, including easy purchase tracking, access to a convenient online management system, and an extended return window of one year.

Citi and Home Depot

Citi and Home Depot’s relationship extends beyond the co-branded corporate cards. The home depot counts towards the 5% cash back categories with Citi’s premier cash back credit card – the Citi Custom Cash. That card earns 5% back on the cardholder’s highest spending category each billing period. Those categories include “home improvement stores,” like Home Depot or Lowe’s. Other categories include:

Dining Fitness clubs Grocery stores
Drugstores Gas stations Home improvement stores
Travel & transit (select) Live entertainment Streaming service (select)

Citi cardholders can also earn 2% cash back on Home Depot with the Double Cash Card, which earns 2% back on all purchases – 1% when you make a purchase and another 1% back when you pay off that charge.

Featured image by Home Depot

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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