Home Depot Cashback: Every Portal's Rate, Compared

The best Home Depot cashback we found is 9% at MaxRebates, read from MaxRebates's own Home Depot page.

Home Depot cash back rates by portal

Every rate below was read from that portal's own Home Depot page, and every row shows when we last looked. Where a rate has a catch, the catch is printed next to the number rather than underneath it.

PortalRateLast checked
MaxRebates
9%source
Price.com
8%source
RebatesMe
Up to 8%A maximum, not a standing rate. RebatesMe's category table for this store goes as low as 8%.source
Extrabux
6.5%source
Fluz
5.5%source
Raisenot on other comparison sites
2%source
Hoopla Doopla
1.5%source
Active Junky
Up to 12%A maximum, not a standing rate. Active Junky's category table for this store goes as low as 1%.source
Sunshine Rewards
1%source
Rakuten
No cash backsource
BeFrugal
Up to 12%A maximum, not a standing rate. BeFrugal pays the top rate only on some departments or products, and the everyday rate is usually lower.source
TopCashback
12%This is a maximum, not a standing rate. The everyday rate is usually lower.source
Lollinot on other comparison sitespaid in bitcoin
Up to 0.3133%A maximum, not a standing rate. Lolli prints only the ceiling, and the everyday rate is usually lower.source
GoCashBack
Not carriedThis portal does not cover this merchant.

Rates move without notice, so treat anything more than a couple of days old as worth re-checking at the portal before you shop.

How to get Home Depot cashback, step by step

  1. Open MaxRebates's Home Depot page and click through to Home Depot from there. That click is what ties the order to your account, so start every Home Depot order this way rather than from a bookmark or a search result. The rate as we last read it was 9%.
  2. Shop in that same tab and session. Don't leave for a coupon site and come back, and turn off any other cashback or coupon extension before you check out: the last click before the order is the one that gets credited, and another extension's click can take it.
  3. Check out in one go, using only codes MaxRebates itself shows for Home Depot. A code from somewhere else can void the cashback on many stores.
  4. Wait for it to confirm. Pending for 90 days to cover store return policies, cancellations and commission collection; it often takes up to 90 days for cash back to become payable, depending on the product and the merchant. Returning part of the order, or cancelling it, changes what gets paid.
  5. Get paid. MaxRebates pays by: Check or PayPal, in US dollars, and sometimes other options such as a donation to charity. Minimum: $10.00 per payment, with a $2,000.00 maximum. Timing: On request, once the cash back is payable. A PayPal payout should arrive within 7 to 14 business days.

Getting paid, portal by portal

Each portal's own help pages, as written there. The source link on each row goes to the page it came from. These are the portal's terms, not Home Depot's.

PortalPaid byMinimumConfirmation window
MaxRebatessourceCheck or PayPal, in US dollars, and sometimes other options such as a donation to charity.$10.00 per payment, with a $2,000.00 maximum.Pending for 90 days to cover store return policies, cancellations and commission collection; it often takes up to 90 days for cash back to become payable, depending on the product and the merchant.
Price.comsourceDebit card deposit, PayPal, Venmo, Zelle, gift cards, a donation to charity, or crypto.$10 per withdrawal, with a $500 cap per withdrawal and per day.Typically 30 to 90 days: pending until the retailer confirms the purchase and its return period ends.
RebatesMesourcePayPal, credit card, Alipay, check or gift cards.$10 in available cash back, not counting bonuses.Cash back becomes available after the 90-day return window.
ExtrabuxsourcePayPal, eGift cards, ACH bank deposit (US only), check (US only), or a donation to a charity.$10 available balance, with at least one confirmed purchase carrying more than $1 in available cash back.Usually tracked within 1 to 7 days of purchase, then held through a 90-day window for returns or cancellations at most stores before it becomes available.
FluzsourceBank transfer (ACH), PayPal or Venmo, or spent in the app on more gift cards. Without a US bank account, PayPal or Venmo.$15 in lifetime earnings once, then $1 per withdrawal.Instant. The cashback lands in the Fluz balance when the gift card is bought.
RaisesourceRaise Cash, posted to your Raise account each time you buy a gift card. It's redeemed at checkout on Raise toward any gift card or other product Raise sells, and Raise's catalogue includes a Prepaid Mastercard. Raise doesn't offer cash distribution, bank transfers or PayPal transfers.None to redeem; Raise applies it at your next checkout. Gift cards must be bought for at least $5, and with more than $1,000 in Raise Cash on hand you have to redeem some before earning more.Posted to the Raise account when the gift card is bought, and rescinded if that purchase is refunded or cancelled for any reason.
Hoopla DooplasourceCheck, Venmo or PayPal.$5.00 in approved cash back per period, for PayPal, Venmo and paper checks alike. A balance under that carries over to the next period.Usually posts within 10 days of purchase, then becomes yours after 90 days.
Active JunkysourceCheck, PayPal, Venmo or a credit/debit card. Approved cash back can also be cashed out early as a gift card.None stated for the monthly payout. Cashing out early as a gift card takes $5.01 in approved cash back.Orders stay pending until the partner store approves them. For travel and events, partners typically approve within about 3 months after the trip or event.
Sunshine RewardssourcePayPal, or gift cards from time to time through the Redemption Center.20.00 in credits, and the account has to be at least 45 days old. Cashouts are capped at $500 a month.Earnings should post within 10 days. Sale credits are then held: 28 days per the help page, 21 days from the date of purchase per the terms page.
RakutensourceBig Fat Check by mail, PayPal, American Express Membership Rewards points, or Bilt. A confirmed balance of $5.00 or more can also be redeemed as a gift card within minutes.$5.01 in confirmed cash back before the payment date; $5.00 or less carries over to the next one.3 to 14 weeks for online and in-store purchases; 45 to 120 days for travel.
BeFrugalsourceCheck, PayPal, direct deposit, Venmo, Zelle or an eGift card. Check and direct deposit are US only.$0.01 for PayPal or direct deposit; $25 for a check.Verified cash back sits in the account for 30 to 90 days, set by the retailer's return policy and its payment cycle with BeFrugal. Store pages say cash back is typically available for payment 15 to 60 days after purchase.
TopCashbacksourceBank transfer, Venmo, PayPal, gift cards, a Virtual Visa Prepaid Card or an American Express Virtual Reward Card.None for PayPal, Venmo or bank transfer; some gift cards have one.No fixed window. Cash back goes pending, then confirmed once the retailer reviews the order, then payable once the retailer's network is invoiced. TopCashback prints an estimated payout speed on each merchant's page.
LollisourceTransfer to any bitcoin address if you're earning in bitcoin, or withdraw to a US bank account. Lolli holds the bitcoin in a custodial wallet until you withdraw it.$15 in available balance.Rewards become available once each retailer's confirmation period has passed, typically 90 days after the purchase or completed travel reservation. It can take up to 90 days.

Does Home Depot have its own cashback or rewards program?

Not for a regular shopper. Home Depot has no points, no store cash, and its consumer credit card earns nothing; the card is a financing tool. The loyalty program it does run, Pro Xtra, is built for contractors. What a DIY shopper gets from Home Depot itself is price-based: sale events, a price match, a military discount, and 5% off subscriptions. Each of those lowers the price rather than handing you credit to spend later, which matters for stacking, because none of them is a coupon code. Here's what's real, from Home Depot's own pages.

  • The Home Depot Consumer Credit Card: financing, not rewards. The card's pitch is time to pay: "NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS¹ on purchases of $299 or more made on The Home Depot Consumer Credit Card." source. Miss the window and "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." at "APR: 17.99- 29.99%." source. The perks are "1-Year Hassle Free Returns. Refer to The Home Depot Returns Policy for details." and "$0 liability for unauthorized charges" source. The new-account discount is one purchase, sized by the receipt: "This offer is redeemable for either a $25 discount on a single-receipt purchase of $25 up to $299, a $50 discount on a single-receipt purchase of $300 up to $999 or a $100 discount on a single-receipt purchase of $1000 or more, excluding tax and delivery fees, within 30 days of your account open date" and "Not valid on prior purchases and cannot be combined with other discounts." source. That page dates the offer: "Valid on new accounts opened by 1/27/27." source. Nowhere on it does the card earn a percentage back.
  • Pro Xtra, the loyalty program that exists. "Pro Xtra is The Home Depot loyalty program built for Pros. Pro Xtra members save time and money with exclusive benefits and business tools." source, and it costs nothing: "No, Pro Xtra is completely free to join." source. Its currency is Perks, earned on spend, and the Pro Xtra Credit Card's line is "Earn Perks 4X Faster" source. The tier thresholds aren't on a Home Depot page we could read; TopCashback's editorial lists "Elite Members ($25,000 minimum spend during program period)" and "VIP Members ($250,000 minimum spend during program period)" above the free tier, with "Pro Xtra Paint Rewards" among the base benefits source. In stores, members now pay and redeem through HD Pass: "HD Pass allows Pros to apply perks, offers, gift cards, Pro Xtra Pricing Benefits, and pay all with one scan, providing a convenient and seamless shopping experience in-store." source, though "Gift cards and Store Credit cannot currently be used with HD Pass." source. On a return, "Any perks that were used for the transaction will be refunded in the form of store credit that can be used in-stores only." source. If you're a homeowner buying paint twice a year, this program isn't aimed at you.
  • The military discount, 10% with a yearly cap. "Active service members, veterans and their spouses enjoy 10% off eligible purchases" source. The fine print: "The Military Discount applies 10% off the price of select in-stock purchases made by eligible participants. Eligible participants receive a $400 maximum annual discount that resets each calendar year." source. Verification runs through SheerID, and once enrolled you "use your discount in store by scanning your Virtual ID on" the app "or entering your phone number." or "sign into your Home Depot account online and use the discount" source. It's an account setting, not a code you type.
  • Subscriptions, 5% off and free delivery. For filters, fasteners, cleaning supplies and the like: "5% Off Purchases Plus Free Delivery" with "No Club or Membership Fees" source. "Returns are also free and easy at any store." source. You pick the product, "select the "subscribe" option on the product page when you add the product to your cart." and choose a frequency source.
  • Sales, price match and the price adjustment. The Savings Center groups the sale types: "Special Buy" ("Limited-time Savings"), "Buy More Save More" ("Bundled Savings"), "Bulk Price" ("Special Savings for Large Quantities"), "New Lower Price" ("Price-reduced Items") source, plus "Get $5 off when you sign up for emails with savings and tips." source. Price match covers local stores, "The Home Depot will match prices with physical stores within your local area, meaning nearby stores that sell the same product under similar terms." and named online competitors, "Lowe's*", "Menards", "Amazon*", "Walmart*", "Best Buy*", "Target*", where "*Must be sold and fulfilled by the retailer, not a third-party through a marketplace-style platform." source. Not matched: "The Home Depot does not price match products sold on auction, marketplace or membership-based sites like eBay, Wayfair, Costco, or Sam's Club." source. After you buy, "you can request a price adjustment within 30 days of your purchase." source.

Put together: Home Depot pays you nothing back on its own. Everything it offers is a lower price at the register, and the only way to get a percentage of a Home Depot order returned as money is the portal click or the Fluz card below. That makes the stacking question simpler than at a department store, and the one hard rule, gift cards, sharper.

What Home Depot cashback stacks with

The short version: Rakuten lists Home Depot at "No Cash Back" source, so its page is coupons and tips with nothing to activate. Of the three portals whose Home Depot terms this page quotes, that leaves TopCashback and Price.com as the clicks that pay, and both stack with every price-based saving Home Depot offers, since a sale price, a price match or the military discount is just a lower item price. Both refuse gift cards, and TopCashback refuses the redemption of one as well as the purchase, which means a Fluz card and a portal click are either/or at this store, not a stack. TopCashback also wants only its own coupon codes, and warns that bulk buying can be declined.

LayerStacks with portal cashback?Notes
Sale prices, Special Buys, Buy More Save MoreYesTopCashback pays on "the item(s) price" source, and a Special Buy is a price. Its own editorial tells you to look for "any available Home Depot promo codes and deals so you don't miss out on additional savings that you can stack with Cash Back." source. Price.com's Home Depot terms don't mention sales source.
Bulk PriceYes for the price; watch TopCashback's resale lineHome Depot's Bulk Price is "Special Savings for Large Quantities" source. TopCashback's terms: "Purchases made with the intention of reselling or buying in bulk are ineligible for Cash Back and may be declined." source. A contractor's pallet order is what that line is for; a homeowner's twelve boxes of tile is a judgment call TopCashback makes after the fact. Price.com has no equivalent line source.
Promo codes and the $5 email couponTopCashback: only codes from its page. Price.com: not namedTopCashback excludes "Use of a coupon code not displayed on TopCashback." source. Price.com's steps say "Coupons optional." and its Home Depot terms list no coupon rule source. Home Depot's own coupon culture is thin; the standing one is "Get $5 off when you sign up for emails with savings and tips." source, and that's a code, so at TopCashback use it only if it's on TopCashback's page.
The military discountNot named by TopCashback or Price.com; it isn't a codeIt's applied to the account, "sign into your Home Depot account online and use the discount" source, and it lowers the item price. TopCashback's exclusion is worded around a "coupon code" source and Price.com's terms say nothing about discounts source. Neither one promises it either way; expect cashback on the discounted price.
A price match or a 30-day price adjustmentNot named by TopCashback or Price.comHome Depot matches before you buy and adjusts after: "you can request a price adjustment within 30 days of your purchase." with the refund going out the way you paid, "which is usually but not always the original payment method." source. A match at checkout is just a lower price and tracks like one. An adjustment after the order is a partial refund, and neither TopCashback's nor Price.com's Home Depot terms say how one is handled source source; expect the tracked amount to come down.
Pro Xtra Perks and Pro pricingYes online; HD Pass is in-store onlyPerks are earned on spend and spent later; "Pro Xtra Pricing Benefits" lower the price source. Neither TopCashback's nor Price.com's Home Depot terms name the program source source. HD Pass "can be used in store at your local The Home Depot." source, where no portal click reaches.
Subscriptions, 5% offFirst order at most; recurring shipments have no clickSubscribe & Save orders are set up once and then "ship automatically" on the schedule you chose source. A portal tracks the session you clicked through in; TopCashback's terms require you to "begin your purchase with an empty shopping cart" source. A repeat shipment has no session, so there's nothing to track, and neither TopCashback nor Price.com says otherwise.
The Home Depot Consumer Credit Card, and any other cardYesThe store card earns nothing, so the only thing it adds is the financing and the 365-day return window described in the program section. A general rewards card earns its own points on the same order; the pillar guide covers how card rewards and portal cashback coexist. The card's new-account discount "cannot be combined with other discounts" source, which is Home Depot's rule about its own discounts, not about a portal.
PayPalNot named by TopCashback or Price.comHome Depot takes it online: its payment list ends with "PAYPAL:" under the cards and gift cards source. TopCashback's and Price.com's Home Depot terms don't mention a payment method source source.
Gift cards, including the Fluz cardNo, at TopCashback and Price.com, for buying one and for paying with oneTopCashback's first exclusion is "Purchase or redemption of a Home Depot gift card." source. Price.com: "Cash Back is not available on purchases made using gift cards." source. So the Fluz route and the portal route don't combine here; pick one per order. The Fluz card is "redeemable in-store and online" source, and online Home Depot wants you signed in: apply it "if you have a valid The Home Depot account" source.
A second portalNeverOnly one tracking click gets credit, and TopCashback makes a double attempt fail outright: "To be eligible for Cash Back on all products, you must begin your purchase with an empty shopping cart." source. The pillar guide explains why the last click wins.

Home Depot cashback exclusions and what breaks tracking

There's no long brand list here. The portals' Home Depot exclusions come down to gift cards, outside coupon codes, and resale. What shapes the payout instead is the category tiers: TopCashback and Price.com both put furniture, decor, rugs, bedding and housewares in a top tier and everything a hardware store is known for, tools, lumber, paint, appliances, lawn and garden, in a much lower one. The live table above shows the current numbers; the category names below tell you which side your cart falls on.

  • Rakuten. Its Home Depot listing is "No Cash Back" source, and there's no exclusions block because there's nothing to exclude. The page is editorial: the military discount, "Home Depot offers a 10% discount for active military, veterans and their spouses (up to $400 annually)." source, which matches Home Depot's own page; subscriptions, "You get free delivery and 5% off subscription purchases, and there are no special fees required to get started." source; and the account coupon, "Home Depot offers a coupon for $5 off your next in-store purchase of $50 or more when you create an account." source. If Rakuten adds a rate later, the table above will show it; until then, don't click through expecting one.
  • TopCashback's gate and terms. Exclusions: "Purchase or redemption of a Home Depot gift card." and "Use of a coupon code not displayed on TopCashback." source. Terms: "Cash Back is calculated only on the item(s) price and does not include taxes, shipping or other fees." "Purchases made with the intention of reselling or buying in bulk are ineligible for Cash Back and may be declined." "Cash Back earned cannot exceed the total purchase amount." "To be eligible for Cash Back on all products, you must begin your purchase with an empty shopping cart." "Should your Cash Back fail to track automatically, please submit a Missing Cash Back Claim within 100 days of your order." source. Its rate card splits "Home Cash Back" ("Home Decor", "Furniture", "Luggage", "Tabletop & Bar", "Bedding & Mattresses", "Kitchenware, Cooking & Food Prep") from "Core Cash Back" ("Lawn, Garden, Power Tools, Hardware, Kitchen, Blinds, Lighting", "Patio, Grills, Paint, Flooring", "Appliances", "Bath", "Building Materials - Lumber, Plumbing, Electrical, Windows & Doors") source, and the second group is the reduced one. The page opens with a browser warning: "With this Safari browser, we cannot guarantee that your Cash Back will track for this retailer. Please use an alternative browser on your device (e.g. Chrome) to get Cash Back." source. On timing: "Your Cash Back appears in your account within 7 days of your purchase, but it usually isn't payable or withdrawable right away." source. Its editorial is dated "Last Updated: April 2026" source.
  • Price.com. One exclusion: "Cash Back is not available on purchases made using gift cards." source. A ceiling: "Max Cash Back Per Order:" "$12" source, which on a big-ticket order is the number that matters, not the percentage. Timing: "Purchases will typically show in your wallet as pending in 1 day." and "Cash Back will be added to your wallet in approximately 90 days." source. Its tiers put "Interior Furniture, Mattresses, Area Rugs, Home Decor, Wallpaper, Tabletop" and "Bedding & Textiles, Housewares, Luggage" at the top, then "Appliances, Small Appliances", "Lawn & Garden, Patio & Grills, Storage & Organization", "Power Tools, Hardware, Kitchen & Blinds, Bath, Lighting, Paint, Flooring, Building Materials (Lumber, Plumbing, Electrical, Windows & Doors)" and "All Other Purchases" far below source. Its FAQ says something stronger than its own table: "Major product categories such as power tools, building materials, appliances, and lawn care are excluded from cashback, as are gift card purchases." source, while the rate table on the same page lists those categories with a rate. The table is what tracks; the FAQ is the one to ignore.
  • Fluz's card limits. Cards run "from $15–$500" and are "redeemable in-store and online" source. The spec block: "Non-refundable", "Does not expire", "Non-reloadable", issuer Home Depot source. The card terms Fluz prints are Home Depot's own: "Gift Card is not a credit/debit card and is not redeemable for cash or credit unless required by law." "Gift Card cannot be applied to any credit or loan balance, Tool Rental Deposits, or for in-home purchases." "Lost, stolen or damaged Gift Cards will not be replaced without proof of purchase." and "Returns for purchases made with this Gift Card are subject to The Home Depots Returns Policy (details available at any The Home Depot store) and eligible refunds will be issued in store credit." source. One spec is wrong: Fluz lists the card as "Non-reloadable", but the same terms say "Reload Gift Card value at any The Home Depot store or online at HomeDepot.com." source and Home Depot's page agrees, "Once you have purchased a Gift Card, you can reload it with additional funds at any The Home Depot store or online." source. "Fluz does not charge any fees to purchase a gift card." source. Online, "During checkout, select Apply a Gift Card." and in a store, "Show your digital e-gift card/gift card to the cashier and allow them to scan it." source. Remember: this route and a TopCashback or Price.com click don't combine.
  • What Home Depot's own discounts don't cover. The card's new-account discount "does not apply to prior purchases, The Home Depot Gift Cards or Certificates, third party gift cards, installation products or services purchased in home, non-discountable SKUs, or Tool Rental." source. The military discount is "select in-stock purchases" with the "$400 maximum annual discount" source. Gift cards themselves are final: "Sales of gift cards and store credits are final and can only be used for purchases." source, and "The Home Depot gift cards can only be used at The Home Depot stores or on homedepot.com and cannot be used to purchase other prepaid or specialty gift cards." source.
  • Returns and timing. Home Depot's baseline: "Most merchandise can be returned within 90 days with proof of purchase to The Home Depot unless noted below." source. Shorter windows cover a lot of what people buy here: 30 days for "Furniture, Tractors, Framing & Roofing Compressors, Consumer Electronics (televisions and computers), Paint Sprayers and Gas Powered Items" in the listed categories, 7 days for "Dehumidifiers, Gas Pressure Washers, Air Conditioners (Window and Portable), Gas Generators (other than whole house and stationary generators)", and for major appliances "All returns in these categories, inclusive of unopened, unused and factory-sealed items," "must be made within 48 hours." source. Pay with the store's own cards and it stretches to "365 days from date of purchase to receive a full refund" source. The portals wait out the return window before paying: TopCashback's page says "any items that are returned will disqualify your Cash Back" source, and Price.com's "approximately 90 days" source lines up with the 90-day baseline. Neither says whether a card-paid order with a 365-day window waits the full year. A Fluz-paid return comes back as "store credit" source, not to your card.

What breaks tracking at any store, Home Depot included (the pillar guide has the portals' own wording on each):

  • A second coupon or cashback extension that fires after the one you're earning with, so its click is the last one Home Depot sees.
  • Starting on one device and finishing on another, including clicking through on a laptop and buying in the Home Depot app. The click has to happen where the checkout happens.
  • Ad blockers, cookie blocking, and on TopCashback's own warning, Safari.
  • Items already in the cart before the click. TopCashback states the empty-cart rule outright on its Home Depot page.
  • Paying with a gift card, at TopCashback and Price.com; buying one, at both.
  • A promo code from somewhere other than TopCashback's page, at TopCashback.
  • An order TopCashback reads as bulk or resale.
  • A return, an exchange or a cancellation, which reverses the commission the cashback was going to be paid from.

Home Depot cashback rate history

Only changes are listed. Re-confirmations are not noise worth showing.

  1. Active JunkyUp to 12%
  2. BeFrugalUp to 12%
  3. TopCashback12%
  4. MaxRebates9%
  5. MaxRebatesrate no longer published
  6. Hoopla Doopla1.5%
  7. Fluz5.5%
  8. BeFrugalUp to 10.1%
  9. Fluzrate no longer published
  10. BeFrugalUp to 12%
  11. TopCashback10%
  12. LolliUp to 0.3133%
  13. Price.com8%
  14. Active JunkyUp to 1%
  15. Raise2%
  16. LolliUp to 0.23%
  17. MaxRebates9%
  18. GoCashBackmerchant dropped by this portal
  19. Active JunkyUp to 12%
  20. Sunshine Rewards1%
  21. Extrabux6.5%
  22. RebatesMeUp to 8%
  23. BeFrugalUp to 10.1%
  24. Price.com12%
  25. Fluz6%

How these Home Depot numbers were produced

Home Depot cashback FAQ

Which portal pays the most for Home Depot cashback right now?

MaxRebates, at 9%. That's the rate a returning shopper gets, which is how the table ranks: an "up to" ceiling or a new-customer rate never takes this spot over a lower rate everyone gets.

How long does Home Depot cashback take to pay out?

On a click-through portal there are two waits, one after the other: the portal has to confirm the order with Home Depot, which mostly tracks Home Depot's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying Home Depot's gift card through a portal skips the first wait: that cashback is paid when the card is bought.

Is there a minimum payout?

Does Home Depot cashback work in the Home Depot app or in a store?

The portal click doesn't; the Fluz card does. A portal tracks a browser session, and Price.com's own steps say to finish in the tab it opened, "Complete your purchase in the The Home Depot tab." source, while TopCashback needs "an empty shopping cart" in the session it tracks source. Store pickup on an online order is still an online order, and TopCashback and Price.com both describe it as an option: "Shoppers can also choose free in-store or curbside pickup for eligible products." source. Fluz is a payment, not a click: in the app, "During checkout, tap Apply a Gift Card." and at the register, "Show your digital e-gift card/gift card to the cashier and allow them to scan it." source. Pro Xtra members paying through HD Pass can't use a gift card there at all, "Gift cards and Store Credit cannot currently be used with HD Pass." source, so pay the card separately at the register.

Why does Rakuten show no cashback for Home Depot?

Because it has none to offer. Rakuten's listing reads "No Cash Back" source; the page exists for the coupons and the shopping guide, and clicking through it earns nothing. That's a relationship between Rakuten and Home Depot, not a rule about you, and it can change; if it does, the rate table above picks it up. Of the portals quoted on this page, that leaves TopCashback and Price.com as the paying clicks, and Fluz as the paying card. The table above lists every portal the site tracks, and it's the place to check who pays the most today.

Can I use a Fluz gift card and still get portal cashback?

No, not at Home Depot. TopCashback excludes "Purchase or redemption of a Home Depot gift card." source and Price.com "purchases made using gift cards" source. That makes this an either/or store: the Fluz cashback lands when you buy the card, the portal cashback lands when you click, and an order can only get one of them. Which one depends on what's in the cart. TopCashback and Price.com both put tools, lumber, paint, appliances and lawn and garden in their reduced tier source source, and Price.com caps any order at "$12" source; Fluz pays one flat rate on the card whatever you buy with it. Check the live table above for today's numbers before you choose.

Does cashback pay on tools, lumber and appliances?

Yes, at the reduced tier, and Price.com's FAQ overstates the exclusion. TopCashback files "Power Tools, Hardware", "Appliances" and "Building Materials - Lumber, Plumbing, Electrical, Windows & Doors" under "Core Cash Back" source, its lower group. Price.com's rate table lists "Appliances, Small Appliances" and "Power Tools, Hardware, Kitchen & Blinds, Bath, Lighting, Paint, Flooring, Building Materials (Lumber, Plumbing, Electrical, Windows & Doors)" with a rate source, even though its FAQ on the same page says those categories "are excluded from cashback" source. The table governs. On a $3,000 appliance order, though, Price.com's "$12" cap source is the real number, and TopCashback pays only on "the item(s) price" source, never on delivery or installation.

Is the Home Depot credit card worth it for cashback?

It doesn't earn any, so the question is whether the financing is worth it. What the Consumer Credit Card gives you is "NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS¹ on purchases of $299 or more" source, "1-Year Hassle Free Returns" source, and a one-time new-account discount of "$25", "$50" or "$100" depending on the receipt, "within 30 days of your account open date" source. The cost of missing the window is "APR: 17.99- 29.99%." charged "from the purchase date" source. A general rewards card earns on the same order and pays in money; a portal click pays on top of either. If you'd carry the balance, the deferred interest erases any cashback many times over.

Is there a minimum order for Home Depot cashback?

Neither TopCashback's nor Price.com's Home Depot page states one, and Price.com states a maximum instead, "$12" per order source. TopCashback pays on "the item(s) price" only, never "taxes, shipping or other fees" source, and a Fluz card starts at "$15" source. Delivery is where a threshold would bite, and Home Depot's own page says there mostly isn't one: "For over 2 million items, standard delivery is always free." source, while "oversized or heavy items have more varied delivery fees, ranging from free to $55 or $79." source. Store pickup skips the fee and keeps the click, per the FAQ above.