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Lowe's Consumer Credit Card Review

Lowe's Advantage Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent/Good/Fair Credit
Card Rating:
Lowe's Companies Inc. is a multinational American company that runs appliance stores and retail home improvement stores around the world. The company has offices in Canada, United States, and Australia. Lowe's clients access different benefits through Lowes credit card and loyalty program.

Lowe's Credit Card Details


  • Get 5% off your eligible purchase or order charged to your Lowe's Advantage Card.9
  • Enjoy 6 months Special Financing on purchases of $299 or more.9
  • Project Financing can be used on any project $2,000 or more. Valid in store only.9


Max. Rewards: No rewards program9
Sign-up Bonus: Limited offer: You can get 20% off your first Lowe’s purchase (up to $100 discount), through Jan. 31, 2024.9


Purchase Intro APR: 0% for 6 months9
Purchase Regular APR: 28.99%9
Cash Advance Fee: See terms9
Cash Advance Regular APR: See terms
Balance Transfer Intro APR: See terms9
Balance Transfer Regular APR: See terms9
Balance Transfer Fee: See terms9
Annual Fee: $09

Lowe's Credit Card Benefits

Lowes Credit gives you a 5% off your purchase when you buy with the card or you can choose the 6 months special financing when you spend at least $299 with the card. You will not pay any interest if you are able to pay the credit amount of $299 or more in full within six months. New account owners enjoy a standard APR of 24.99%. You can also take advantage of the 84 months special financing at an APR of 5.99% if you make a minimum purchase of $2,000 with your credit card. You will be required to make fixed monthly payments.

Lowe's Credit Card Drawbacks

Lowes credit card will not allow you to combine the promotional pricing with any other rewards. You can only choose one of the offers. That is, you either go for the coupon, various discounted offers, the gift card offers or the special financing offer. If you go for the special financing offer, you must meet the set of minimum terms. These terms include in-store purchases for amounts of $299 minimum that must be paid in full within six months. Moreover, you have to make some minimum payments every month for the six months for the promotional offer to be realized.

Contact Information


Customer support: 1-800-445-6937


Lowe's Consumer credit card P.O Box 530914 Atlanta, GA 30353-0914

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User Comments about Lowe's Advantage Card

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5 stars but....
5% discount can't be used everywhere...... but ok for regular purchases. i shop at lowes so need it. syncb works well and customer service is outstanding....
Lowes card
Nice option but it's hard to get this card. My friend was approved for the Lowes card with a score of 687 but I am sure they will deny me with a 650.