Office Depot Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Office Depot Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Office Depot Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-244-3113
Office Depot Credit Card has a rating of 2.6/5 according to our proprietary credit card rating system. This rating reflects how appealing Office Depot Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Office Depot Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.6/5 for Cost, and 4.5/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
4.5/5
174 reviewsRead and write reviews
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.6
Other Features
0.0
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 31.24% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Link your rewards membership to your credit account and get 2% back in rewards on everything automatically.
Rewards certificates are issued monthly once $3 or more is earned.
Become a VIP member and get 5% back in rewards on ink, toner, paper and print/copy/ship services and free delivery on eligible items when you spend $500 in twelve months.
Get $2 back in rewards when you recycle your ink and toner cartridges (up to 10 cartridges per month). $10 minimum monthly purchase required.
Redeem rewards instantly at checkout in store, online and on the go.
Bonus rewards for members-only.
Office Depot Credit Card's Additional Info
Deferred Interest Details: No Interest if paid in full within 6 months on purchases of at least $299.
Provides a dedicated credit limit for home office purchases.
Account online services, including account management to view statements, monitor unbilled activity, ability to make payments online and more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
4.5
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.6
Other Features: 0.0
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.3
User Reviews
3.4
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 4.7
Other Features: 5.0
4.9WalletHub Rating
WalletHub Rating
4.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
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(2,215)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 6 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about Office Depot Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way to apply for the Office Depot Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Citibank's website. Alternatively, you can apply by phone or in store.
Keep in mind that the Office Depot Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.
Ways to Apply for the Office Depot Credit Card
Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More on sites like WalletHub or through Citibank's website. You will then need to fill in your personal and financial information.
By Phone: Call 1-800-347-4934 and follow the prompts to get connected with a customer service representative. You will then be guided through the application process.
In Store: Visit a local Office Depot store and let a representative know that you would like to apply for the Office Depot Credit Card. Then, fill out the application with your personal and financial info.
How to Apply for the Office Depot Credit Card Online
Go to the application page on Citibank's website or click the “Learn More” button on sites like WalletHub to be taken there.
Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
Fill in the requested financial information such as your income, sources of income, employment status and housing status.
Authorize Citibank to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
Double check to make sure the application is complete and all the information is accurate.
Submit the application.
Once you've submitted your Office Depot Credit Card application, you may receive a decision right away. However, it can take Citibank up to 7-10 business days to reach a decision. If approved, you'll get your new card in the mail within 14 days.
The credit score needed to get an Office Depot Credit Card is generally within the Fair score range (640-700). However, as with most other credit card applications, Citibank will look at more than just your score when deciding. They'll check your entire credit history for negative marks, but also take your income and overall debt into account.
Please note that the Office Depot Credit Card may no longer be available to new applicants. The Office Depot Credit Card mainly uses Experian to check your credit when you apply, though Citibank may use TransUnion or Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
The Office Depot Credit Card requires fair credit or better.
Please note that the Office Depot Credit Card may no longer be available to new applicants. Yes, you can use your Office Depot Credit Card instantly upon approval. Once approved, you will receive a temporary shopping pass which you can use the same day. However, keep in mind that you can use the pass only for in-store shopping if you applied for the card in-store and for online shopping if you applied online.
The Office Depot Credit Card gives you 2% back in rewards on purchases,...
There is no cash advance limit for the Office Depot Credit Card because Citibank does not allow cash advances on this card. It's common for store cards to not allow cash advances, so you'll want to look for a credit card backed by a major network if you want the option to take out a cash advance.
It's probably for the best that you can't take out a cash advance, though, because cash advances are costly. They come...
Please note that the Office Depot Credit Card may no longer be available to new applicants. No, you cannot get a cash advance with your Office Depot Credit Card. The card can only be used for purchases at Office Depot stores and online at officedepot.com.
The fact that Office Depot Credit Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, due to a cash advance fee and a separate cash advance APR that apply as...
Please note that the Office Depot Credit Card may no longer be available to new applicants. No, you cannot use your Office Depot Credit Card everywhere. The card is not backed by a major credit card network (Visa, Mastercard, American Express, etc) and can only be used for purchases at Office Depot stores and online at officedepot.com.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Office Depot Credit Card offers 2% back in rewards on purchases and...
Share your insights and review for the Office Depot Credit Card
5
79%
4
6%
3
6%
2
6%
1
2%
4.5
174 reviews
174 reviews
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Joshua Guzman @joshuag_13
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1 Star Rating
I opened the card a few months ago and the was charged interest right away even though they told me it was 0% for 6 months. I contacted them and they wanted to know what purchase I was talking about that didn't include interest. The store itself gave great service, the customer service told me they couldn't do anything and to go straight to the store for further assistance.
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Blake Madson @blakem_2
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5 Star Rating
I use the Office Depot Store Card on a regular basis and have gotten a lot of use out of it. It has a good intro rate, good interest after that, and has a lot of good features which help you manage your purchases and expenses. The ability to monitor your purchases and statements online makes it very convenient to use this card. While it doesn't offer any rewards, the customer service and other terms of this card make it worth it.
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Mitchell Hengesbach @meh31488
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5 Star Rating
I have used the Office Depot Credit Card on a few occasions when making a big purchase. I used it to buy furniture and a new laptop a little bit ago, and I was able to pay it all off in just a few months without being charged interest. That's the biggest perk of this card. No interest for 6 months if paid in full. Great benefit!
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5
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Jack Raymond @jackr1
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5 Star Rating
I use this all the time for my business. I run a self made computer repair company and I have lost count of all the times this card has come in handy for me when needing stuff on the fly. With the amount of stuff I buy, the savings I accumulate are just insane! I prefer Office Depot over most big box stores for office and computing supplies. They have the widest range of photo paper which my company uses alot of as well. All in all, I would highly recommend this card to anyone who needs to get lots of office supplies and save lots of money!
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Janet Jongebloed @janet_jongebloed
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5 Star Rating
I originally got one to help with my home business, but I soon found out that there were so many other thing I could use it for! I totally recommend this card to anyone who has a home or business office!
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Michael Reed Markham @SynderLasad
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5 Star Rating
My girlfriend and i are members of a local organization. We do a lot of printing and use a lot of ink. We love coming here and using our Office Depot store card . Nice grace period and rates.
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Jon Philips @jrphillips
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5 Star Rating
The Office Depot Store Card is one of the best cards around. With a 6 month intro apr period with a great percentage, you simply can't beat a deal like this! This card is great for using instead of using your credit card, because at the same time you can potentially earn points and cash back to use at the store when you have enough points! I'm going to tell all my family and friends about it so they can get in on it too!
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Dan Diciaula @dan_diciaula
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5 Star Rating
I use the card a lot for business. The apr is a little high, but that's pretty standard for office supply stores. I pay the balance off in full each month so it's not a big deal. It's much more convenient than carrying cash or putting my purchases on a credit card. We earn rewards even though we are a small business and get tons of discounts and email coupons. I also like the fact that it keeps track of our purchases. Last week I had to re-order ink for our printer and instead of taking the printer apart and trying to figure out which cartridge I just went to office depot and they were able to locate the brand based on my previous purchases. It's convenient and saves money.
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Maren Beasly @marenb
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5 Star Rating
The Office Depot Store card is a fantastic card if you go through office supplies like I do. I seem to need reams of paper every month as well as all sorts of other office supplies. This card offers a 6 month no interest grace period, which is fantastic when I was purchasing my laptop for school. It gave me the time I needed to work off the debt that I had and let me purchase the laptop that was desperately needed for my schoolwork. Your entire account history is online so you do not have to worry about going to your local Home Depot to pay off the balance. I noticed that a lot of other store cards still use this archaic method, so I'm glad that Office Depot has learned from this. All in all, I think this card is a valuable asset when buying things in Office Depot.
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Sara Osborne @sara.osborne.146
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4 Star Rating
I used this card for all my back to school shopping supplies for my daughters. They found everything they wanted, and all the current styles. There is no annual fee and billing is fair and timely. It was an easy approval service and a quick response. Customer service is quick to answer and there is little wait time. They are also very friendly. I pay online every month, but there are various options as with most cards. There is a good rewards program where you can earn points that add up relatively quickly. There are many locations of Office Depot in my city so I have no problems using the card, or I have ordered online before which is also convenient.
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