I can't comment on the HD card but I can on the Lowes.  I really like my Lowes card because you automatically get 5% at the register, as stated above, or (if it's over a certain amount - I forget the amount, but it's not much) 6 months interest-free.  It's backed my GEMB so they seem to be generous with their CLIs.  I have Citi cards too but their 0% offers run out and owning a home...well, you will always have some sort of major expense:  siding/roof/windows/furnace/pipes/remodling/carpet/tile/porch, etc. etc. 

11/30/08 TU 648 EX 672 EQ 656 2011 TU 736 EX 751 EQ 729 5/2012 TU 759 EX 784 EQ 742
Amex Blue/Clear/BCP/Surpass Hhonors/Business Gold - Barclays LLBean - BOA Hawaiian Airx2/Virgin Atlantic - Cap One Cash Rewards - Chase Freedom/United Mileage Plus Explorer/Sapphire Preferred/Ink- Citi Diamond Preferred/Dividend/ Shell/HHHx2/Reserve- Discover More - GEMB Lowes - Macy's

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Starting Score: 648
Current Score: 736
Goal Score: 765

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