Home Depot partners with major financial institutions to manage its private label credit cards, co-branded consumer cards, and commercial revolving credit accounts. Historically, the primary credit card program for Home Depot consumers has been issued by Citibank, N.A., providing shoppers with promotional financing options, deferred interest plans, and loyalty rewards. Additionally, the home improvement retailer works with multiple corporate banking partners and global payment networks to process day-to-day merchant transactions, vendor payouts, and treasury operations seamlessly across thousands of retail locations.