I don't have a Home Depot or Lowes credit card but from what I know they don't give you any kind of special deals just for having the card. I think they offer it solely as another way to finance your purchases and that's it. It's not like with department store credit cards where some will at least give you some special sales and what not.
I don't even think it's worth signing up to get the one time discount if they still offer it. You know if you go down to your Post Office and request a movers kit they usually have a coupon from Home Depot and Lowes for 10% off your entire purchase. Just use that instead of hurting your credit with one of these cards.
If you buy a lot of credit maybe get a credit card that offer higher cash back on normal purchases. Like 1.5% or 2%. That way at least you'd be getting some sort of savings.
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Current Cards:
American Express: Blue Cash, Simply Cash
Bank of America: Visa Financial Rewards Platinum Plus
Chase: Rewards Visa, Amazon Visa
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Current Everyday Card: American Express Blue Cash
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