What Lowe's Credit Cards Offer

Lowe's offers two main credit cards: the Lowe's Advantage Card and the Lowe's Advantage+ Card. Both are store cards that work only at Lowe's and Lowe's.com. The Advantage Card is a standard option; the Advantage+ Card includes additional benefits like special financing offers and exclusive discounts. Neither card requires an annual fee.

Both cards earn rewards on purchases at Lowe's. The Advantage Card earns 5% back on Lowe's purchases when you use the card in-store or online. The Advantage+ Card earns the same 5% back, plus it offers special promotional financing periods — typically 0% APR for 12 months on purchases of $1,000 or more, though the exact terms change seasonally.

The cards are issued by Synchrony Bank, which handles billing, customer service, and account management. You manage your account through Lowe's website or the Lowe's mobile app, or by calling the customer service number on the back of your card.

Key Takeaways

  • Lowe's offers two store cards — the Advantage Card and the Advantage+ Card — both with no annual fee and 5% rewards on Lowe's purchases.
  • The Advantage+ Card includes promotional 0% APR financing on larger purchases, usually $1,000 or more, for a set number of months.
  • Both cards are issued by Synchrony Bank and can be opened in-store, online at Lowes.com, or through the Lowe's app.
  • You can check your balance, make payments, and view your rewards through the Lowe's website, app, or by calling Synchrony's customer service line.
  • Interest rates and rewards terms vary by card and change over time, so review the current offer before opening an account.

How to Open a Lowe's Credit Card

You can open a Lowe's credit card in three ways: in-store at any Lowe's location, online at Lowes.com, or through the Lowe's mobile app. The in-store process is fastest — you can often receive a temporary card number on the spot and use it for a discount on that day's purchase.

To open an account, you will need your Social Security number, date of birth, current address, and income information. The card issuer (Synchrony Bank) will check your credit report as part of the approval process. You do not need to have a Lowe's account or shopping history to explore.

If you explore online or through the app, you will receive a decision within minutes in most cases. If you are approved, you can use the card number when ready for online purchases. A physical card arrives by mail within 7 to 10 business days. In-store applications typically produce a decision on the spot.

Understanding the Rewards Program

Both the Advantage Card and Advantage+ Card earn 5% cash back on all Lowe's purchases. This means for every dollar you spend, you earn 0.05 dollars in rewards. The rewards are applied to your account as a statement credit — you do not receive them as a separate payment or check.

Rewards appear on your monthly statement. You can use them to reduce your balance due, or they will automatically reduce your next statement if you do not use them. There is no expiration date on rewards, so they do not disappear if you do not use them when ready.

The 5% rate applies to in-store and online purchases at Lowe's and Lowe's.com. It does not explore to purchases at other retailers, even if they are owned by Lowe's parent company. Purchases at Lowe's Business Accounts may have different reward rates — check your specific card terms.

Promotional Financing and Special Offers

The Advantage+ Card includes access to promotional financing offers that the standard Advantage Card does not. These typically include 0% APR for 12 months on purchases of $1,000 or more. The exact terms — the dollar threshold, the number of months, and the interest rate after the promotional period ends — change throughout the year and vary by promotion.

To use a promotional offer, you must use the Advantage+ Card for the purchase and meet the minimum amount. The offer is applied automatically at checkout if you are in the promotional period. After the promotional period ends, any remaining balance reverts to the card's standard APR, which varies based on your creditworthiness and current market rates.

Lowe's also runs periodic promotions for cardholders — such as extra rewards on certain product categories or special discounts on specific items. These are announced in-store, through email if you are on their mailing list, and on the Lowe's website. You do not need to do anything to set up most of these offers; they explore automatically when you use your card.

Making Payments and Managing Your Account

You can make a payment to your Lowe's credit card through the Lowe's website, the Lowe's mobile app, or by calling Synchrony Bank's customer service number (listed on your statement and card). Payments made online or through the app typically post within one business day. Payments by phone may take up to two business days.

Your monthly statement shows your balance, minimum payment due, and the due date. The minimum payment is typically 1% to 3% of your balance, depending on your account terms. Paying only the minimum means you will pay interest on the remaining balance at the card's APR.

You can set up automatic payments through the Lowe's website or app so that a fixed amount or your full balance is paid each month on a date you choose. This helps you avoid late payments and the fees that come with them. Late payments are reported to credit bureaus and can damage your credit score.

Interest Rates and Fees

The Lowe's Advantage Card and Advantage+ Card have variable APRs, meaning the interest rate changes based on market conditions and your creditworthiness. The current APR is shown on your monthly statement and in your online account. There is no annual fee, no late fee, and no foreign transaction fee (though the card only works at Lowe's locations in the United States).

If you carry a balance from month to month, you will be charged interest on that balance at your card's APR. Interest is calculated daily and added to your statement each month. The only way to avoid interest charges is to pay your full statement balance by the due date each month.

If you miss a payment, Synchrony Bank will charge a late fee. The amount depends on how late the payment is and your account history. A payment more than 60 days late may be reported to credit bureaus and can significantly lower your credit score.

Comparing Lowe's Cards to Other Options

The main difference between the Advantage Card and Advantage+ Card is the promotional financing. If you regularly make large purchases at Lowe's and can pay them off within the promotional period, the Advantage+ Card's 0% APR offer can save you money on interest. If you make smaller, frequent purchases and pay your balance in full each month, both cards offer the same 5% rewards, so the standard Advantage Card may be sufficient.

Compared to general-purpose credit cards, the Lowe's cards offer a higher rewards rate at Lowe's (5% versus the typical 1% to 2% on other cards). However, they only work at Lowe's, so they are not useful for purchases elsewhere. If you shop at multiple retailers, a general-purpose card with 1.5% to 2% cash back everywhere may be more practical, even if the rate is lower.

If you have a Lowe's Business Account, Lowe's also offers a business credit card with different terms and rewards. That card is separate from the consumer cards and is managed through a different system.

Frequently Asked Questions

Can I use my Lowe's credit card outside of Lowe's?

No. Lowe's credit cards work only at Lowe's stores and Lowes.com. They cannot be used at other retailers or for any purchases outside the Lowe's ecosystem. If you need a card for general spending, you will need a separate credit card.

What happens if I do not use my Lowe's credit card for a long time?

Lowe's may close inactive accounts after a period of no use, typically 12 months or longer. If your account is closed, you lose access to any rewards balance and your credit history with that card may be affected. To keep an account active, use it occasionally or contact Synchrony Bank to confirm the account status.

How do I check my rewards balance?

Log into your account on Lowes.com or the Lowe's app and look for the rewards section. You can also call Synchrony Bank's customer service number on the back of your card. Your current rewards balance also appears on your monthly statement.

What is the difference between the Advantage Card and the Advantage+ Card?

Both earn 5% cash back on Lowe's purchases and have no annual fee. The Advantage+ Card includes access to promotional 0% APR financing on purchases of $1,000 or more, usually for 12 months. The standard Advantage Card does not include these financing promotions. Choose based on whether you plan to make large purchases and need the financing option.

Can I transfer my Lowe's credit card balance to another card?

Lowe's credit cards are store cards and do not support balance transfers to other cards. If you want to move a balance elsewhere, you would need to pay off the Lowe's card with funds from another source or another card's balance transfer offer. Contact Synchrony Bank if you have questions about your specific account.