Exclusively for Homeowners
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Aven Homeowner Card
The best card for rewards, low interest rate, high line size. For homeowners with 700+ FICO.
7.99% 
Starting var.
APR
2%
Unlimited
Cashback
250K
Credit
Limit
$200 Home Depot Gift Card
Home Depot Consumer Credit Card
The best card for small projects, if reward are not important for you.
17.99%
Starting var.
APR
None
Unlimited
Cashback
$25K
Credit
Limit
Capital One Platinum Credit Card
The best card for convenience, but with a high interest rate.
30.74%
Starting var.
APR
None
Unlimited
Cashback
N/A
Credit
Limit
Annual Fees and APRs
The Aven Home Equity Credit Card has no annual fee or sign up fee. It has an extremely low interest rate, making it an attractive choice for those looking to save on interest charges.
The Home Depot Consumer Credit Card and Capital One Platinum Card do not charge an annual fee. However, it's important to note that the cards have a relatively high APR (Annual Percentage Rate), which can be significant if you carry a balance from month to month.
Card Features and Rewards
The Aven Home Equity Credit Card is a general-purpose credit card that can be used anywhere Visa is accepted. It offers cash back rewards on everyday purchases. These rewards can be redeemed for statement credits.
On the other hand, the Home Depot Consumer Credit Card offers various benefits such as special financing options and access to exclusive cardholder events. The card provides a range of promotional financing offers, including deferred interest and fixed monthly payments, depending on the purchase amount.
The Capital One Platinum Card does not offer cashback.
Credit Limit and Approval Process
The Home Depot Consumer Credit Card typically offers a lower credit limit compared to the Aven Home Equity Credit Card. This is because it is primarily designed for Home Depot purchases and not intended for extensive everyday use. The approval process for the Home Depot Credit Card and Capital One Platinum Card may be less stringent, making them more accessible to a wider range of credit profiles.
The Aven Home Equity Credit Card, being a general-purpose credit card, generally offers higher credit limits. However, the approval process may involve stricter criteria, including credit history and income verification, to qualify for higher credit limits.
Conclusion
The Home Depot Credit Card, Aven Home Equity Credit Card, and Capital One Platinum Card have their own strengths and cater to different consumer needs. If you are a regular Home Depot shopper, the Home Depot Consumer Credit Card can provide you with attractive financing options. However, if you prefer a more versatile credit card with rewards on everyday spending and a wider range of perks, the Aven Home Equity Credit Card may be a better fit.
Consider your spending habits, credit profile, and specific needs before making a decision. Ultimately, choosing the right credit card depends on your personal preferences, financial goals, and the benefits that align with your lifestyle.
Shop The Best Credit Cards for Home Depot
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Continue to apply to this card and get the benefits you choose when shopping at Home Depot.
The key things to look for are the card’s features, rewards, credit limit, and approval process. Let us know how we can help.
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†By continuing, you consent to our using a consumer reporting agencies, like Experian and Equifax, to make a soft credit inquiry and verify your employment and income. You also agree to our E-SIGN Consent, Privacy Policy, and Terms of Use. For important information about our Aven Home Cards: Pricing & Terms and Early HELOC Disclosure.
We have a great option for you!
$200 Home Depot Gift Card
Aven has a low APR, high credit limits, and 2% unlimited cashback (& get a $200 gift card to Home Depot when you sign up).