Does Home Depot Accept American Express in 2024? The Complete Guide

ByCharles Scott Last Update on

American Express membership has grown steadily over the past decade, with an estimated 54 million cardholders in the U.S. as of 2022 (Source: Amex annual report). Amex offers some of the most lucrative rewards programs compared to other credit cards – but do these benefits extend to purchases at Home Depot? This guide examines everything you need to know about using American Express cards for purchases, rewards, and more at Home Depot stores and online.

The Popularity of American Express Rewards

With Membership Rewards points and statement credits offered by cards like the Platinum and Gold, Amex has become a leader in rewards. A 2021 survey found that 34% of Amex cardholders say rewards motivated them to open an account (Source: CreditCards.com). Home improvement stores like Home Depot are popular destinations for Amex users looking to earn and redeem points.

Does Home Depot Take Amex Cards In-Store and Online?

The good news is that Home Depot accepts American Express credit cards both in-stores and online as a payment method. You can use Amex for all types of purchases:

  • Building materials, lumber, tools
  • Flooring, paint, appliances
  • Furniture, décor, outdoor living
  • Rental deposits
  • Installation services
  • Home Depot gift cards

One limitation is that Home Depot does not accept contactless payments from digital wallets like Apple Pay. You‘ll need to use your physical Amex credit card via chip or swipe.

Amex Card Rewards and Promotions at Home Depot

While Home Depot doesn‘t have an official rewards program for Amex cardholders, there are sometimes targeted promotions that give you bonus points or savings for using your card there.

For example, in 2022 some Amex Platinum cardholders received a targeted offer for $50 back on two $50+ Home Depot purchases online. So it‘s worth checking your Amex account frequently for special Home Depot deals.

Maximizing Amex Rewards at Home Depot

If you want to max out rewards when using your Amex card at Home Depot, consider these tips:

  • The Amex Platinum card earns 5x points per dollar spent on flights and prepaid hotels through Amex Travel. You may be able to purchase Home Depot gift cards through the Amex Travel portal to earn 5x points on Home Depot purchases.

  • The Amex Gold Card earns 4x points at U.S. supermarkets (up to $25,000 per year). Purchase Home Depot gift cards at supermarkets with your Amex Gold to earn 4x points.

  • Check your Amex benefits for offers like Amex Offers or Shop Small that could give you bonuses for spending at Home Depot.

How To Use American Express at Home Depot

In-StoreOnline
Inform cashier you will use a credit cardEnter Amex card details into required fields during checkout
Insert or swipe your physical Amex card when promptedIncludes card number, expiration date, CVV security code
Signature may be required

Does Home Depot Accept Other Payment Methods?

In addition to American Express credit cards, Home Depot also accepts:

  • Visa, Mastercard, Discover
  • Home Depot Credit Cards
  • PayPal
  • Cash
  • Checks
  • Debit cards

Home Depot does not accept contactless payments like Apple Pay or Google Pay.

The Verdict: Yes, Home Depot Gladly Accepts Amex!

The bottom line is that Home Depot accepts American Express credit cards both online and in-store, unlike some competitors like Lowe‘s that only accept Amex online. While you won‘t earn official Amex rewards, be on the lookout for targeted promotions. And bring your physical card when shopping in-store, as mobile wallet payments are not accepted.

Charles Scott is a dynamic professional whose academic and career achievements demonstrate a strong commitment to excellence in the retail and consumer service industry. Graduating with an MBA from New York University in 2013, Charles has built a diverse and impressive career portfolio. He has held significant roles as a manager, advisor, and marketer, showcasing his multifaceted skills and deep understanding of the industry.

Beyond his direct professional engagements, Charles has made a notable mark as the head writer and founder of ExpertBeacon.com. This platform stands as a testament to his dedication to consumer empowerment and education. ExpertBeacon.com is a resource designed to assist consumers in addressing their persistent questions about products, services, and companies. Under Charles's leadership, the site provides in-depth, well-researched, and accurate information, all structured in easy-to-follow guides and articles. His work here not only highlights his expertise in the field but also his commitment to providing valuable, actionable information to the public.

Charles's approach is centered on a keen understanding of consumer needs and market dynamics, making him a respected voice in the industry. His contributions through ExpertBeacon.com and his professional roles reflect a blend of strategic thinking, practical knowledge, and a genuine desire to enhance consumer experiences in the retail and consumer service sectors.

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