Like it or not, spring is going to come and with it, all the DIY tasks you have been putting off for months.  Whether your home is crying out for an update or just needs some repairs due to a harsh winter, sooner or later you’ll have to get the tools out and get it all done.

So where do you begin. The last thing you want to do is spend more cash on house repairs.  Why not consider the Home Depot credit card as a way of managing the funds while getting your home repairs done.

This convenient card is powered by Citibank and there are loads of benefits to scream about.  I’ll go through them in turn.

No annual fee

This has to be my all time favorite feature in a credit card.  I hate paying extra for cards that carry interest anyway.  I am already being charged to use the card so please, no more salt in the wound.

So I guess you can tell I like this card already.  But let’s continue; see if my opinion remains the same.

Home Depot has three credit options for you; the first is the Home Depot® Consumer Credit Card.  With this card you can enjoy:

- No payments or interest for 6 months if you spend over $299

I don’t think this spend limit is very high.  Have you been to Home Depot lately?  There are many items which are available in this price range.  You just might be surprised how far your $299 will go.

- Access your account online.  Enjoy the convenience of managing your account anywhere you are.

The second card offered is the Home Depot Rewards MasterCard^®

The benefits on this card are quite nice, you can enjoy the following:

- Earn 2,500 Bonus Points with your first purchase

- Your card is accepted at all Home Depot locations  as well as millions of MasterCard merchants

- Every time you spend a dollar at a MasterCard merchant, you’ll Earn 1 point

- When you shop at Home Depot, you’ll earn 2 points on every dollar spent

- Protection against accidental damage or theft

If you have the mother of all DIY projects to complete and your credit cards just won’t cut it, then the Home Depot Home Improvement Loan is for you.

Once you apply for your home improvement loan you can look forward to:

- Instant approval

- 0% Financing for 6 months following initial purchase

- No maximum credit line

- Competitive fixed APR (Depending on your credit history your APR could be 7.99%, 9.99%, 11.99, 13.99% or 17.99%).

Other benefits of the Home Depot Credit Card:

Reduced APR

Another one of my favorites.   When purchasing items for your home, you want to get the best items.  We all know that the good things are seldom cheap; this is where the reduced APR feature could benefit you.  You see when you spend $2000 or more at Home Depot your APR would be reduced form 21% to 15.48%. Isn’t that cool?

Deferred payments promotions

Again, the threshold spend is $299, and you have the chance to qualify for no payment or no interest options plus other in store promotions.

The remaining features are pretty standard for credit cards in the industry such as $0 liability on unauthorized purchases and online account management.

This reminds me, I do need to get the garden sorted, I need to fix the fence, the patio and the garden furniture needs a good varnish.  Oh the list goes on and on.

I better get on with it.

If you get around to your DIY before I do, your new Home Depot Credit card would surely help manage the finances.

If like me you are a careful shopper then take the time to compare other credit cards.

Which ever option you choose, enjoy your DIY.