No interest if paid in full within 6 months* on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months. Up to 24-Month Financing* on qualifying purchases during special promotions. The more you spend, the longer you may have to pay us back. Access to exclusive department financing offers and savings throughout the year; including up to 24-month financing* on qualifying purchases and discounts on select products/installations No annual fee* 1 Year Hassle Free Returns† credited back to your Home Depot card. That's 4X longer for returns, just for being a cardmember. †Refer to The Home Depot Returns Policy for details.