What the Lowe's Credit Card Does
The Lowe's credit card is a store card issued by Lowe's and Synchrony Bank that you can use to make purchases at Lowe's stores and on Lowes.com. Unlike a general-purpose credit card, it works only at Lowe's locations. You receive a physical card in the mail after your account opens, and you can also add it to digital wallet apps like Apple Pay or Google Pay for contactless checkout.
The card comes with a rewards program that gives you points on purchases. The exact rewards rate depends on which version of the card you hold — the standard Lowe's card or the Lowe's Advantage card — and what you buy. You can redeem points for Lowe's gift cards or statement credits.
Key Takeaways
- You can open a Lowe's credit card online at Lowes.com, in a store, or by phone at 1-888-840-7651, and you will receive a decision within minutes.
- The card earns rewards points on every purchase, with higher rates during promotional periods that Lowe's announces throughout the year.
- You can view your balance, make payments, and check your rewards total through the Lowe's credit card portal or the Lowe's mobile app.
- Special financing offers — such as no interest for a set period on purchases over a certain amount — are sometimes available and appear at checkout.
- Your card statement and payment due date are managed through your online account, and you can set up automatic payments to avoid missing a due date.
How to Open a Lowe's Credit Card Account
You can open an account in three ways: online at Lowes.com, in any Lowe's store, or by phone. To start online, go to Lowes.com, select "Credit Card" from the top menu, and click the link to open a new account. You will need your Social Security number, date of birth, current address, and employment information. The process takes about five minutes.
In-store applications work the same way — a cashier or customer service associate can start the process at the register or service desk. By phone, call 1-888-840-7651 and a representative will walk you through the questions. Most decisions come back within minutes. If you are approved, your physical card arrives by mail within 7 to 10 business days, though you can often use the card number when ready for online purchases.
Logging Into Your Account and Viewing Your Balance
Once your account is open, you can manage it through two routes: the Lowe's credit card portal or the Lowe's mobile app. To access the portal, go to Lowes.com, select "Credit Card" from the top menu, and click "Sign In." Enter your card number and password. If you do not yet have a password, select "Forgot Password" and follow the link sent to your email.
In the app, read the official Lowe's app from your phone's app store, tap the menu icon, and select "Credit Card." Sign in with the same card number and password. Both routes show your current balance, recent transactions, available credit, and rewards points. The portal also displays your statement and payment due date.
Making Payments on Your Lowe's Card
You can pay your bill online through the credit card portal, through the Lowe's app, by phone, or by mail. Online and through the app are fastest — log in, select "Make a Payment," enter the amount, and choose your payment method (bank account or debit card). The payment posts within one to two business days.
By phone, call 1-888-840-7651 and a representative will take your payment information. By mail, send a check or money order to the address printed on your statement. Payments by mail take five to seven business days to post, so mail early if your due date is near. You can also set up automatic payments through the portal so your full balance or a set amount is paid on the same date each month.
Understanding Rewards and Promotional Offers
Every purchase on your Lowe's card earns points. The standard Lowe's card earns 1 point per dollar spent. The Lowe's Advantage card earns 4 points per dollar on Lowe's purchases and 1 point per dollar on all other purchases. Lowe's also runs promotional periods — often seasonal — where you earn bonus points on certain categories or all purchases. These promotions are announced in your email and appear on Lowes.com.
You redeem points through your online account or the app. Select "Rewards," choose how many points to redeem, and decide whether to receive a Lowe's gift card or a statement credit. One point typically equals one cent in value, though the exact conversion can vary. Some promotions offer higher redemption rates during specific windows.
Lowe's also offers special financing deals — such as no interest for 12 months on purchases over $299 — during promotional events. These offers appear at checkout when you may have access to. If you take a promotional financing offer, you must pay the full balance by the end of the interest-free period or interest will be charged on the entire original amount.
What to Do If You Forget Your Password or Lose Your Card
If you forget your password, go to the credit card portal or app and select "Forgot Password." Lowe's will send a reset link to the email address on file. Click the link and create a new password. You can then log in when ready.
If your card is lost or stolen, call 1-888-840-7651 right away. A representative will cancel the card and order a replacement, which arrives within 7 to 10 business days. You can use your account number to make purchases online while you wait for the new card. If you see unauthorized charges on your statement, report them during the same call — Lowe's will investigate and remove fraudulent charges.
Frequently Asked Questions
Can I use my Lowe's card outside of Lowe's?
No. The Lowe's credit card works only at Lowe's stores and on Lowes.com. It cannot be used at other retailers or restaurants. If you need a card that works everywhere, you would need a separate general-purpose credit card from a bank or credit card company.
What happens if I miss a payment?
If you miss your due date, Lowe's will charge a late fee (the amount varies) and report the late payment to credit bureaus, which can lower your credit score. If you are more than 60 days late, your interest rate may increase. Contact Lowe's when ready if you cannot pay on time — they may work with you on a payment plan.
How do I check my rewards balance?
Log into your account through the credit card portal or the Lowe's app and select "Rewards." Your current points total appears at the top of the page. You can also call 1-888-840-7651 and a representative will tell you your balance.
Can I transfer my Lowe's card balance to another credit card?
The Lowe's card is a store card and does not support balance transfers. If you want to move the balance elsewhere, you would need to pay it off with a different credit card or payment method. Some other credit cards offer balance transfer options, but Lowe's does not.
What is the difference between the standard Lowe's card and the Lowe's Advantage card?
The Lowe's Advantage card earns more rewards points — 4 points per dollar at Lowe's versus 1 point per dollar on the standard card. The Advantage card also earns 1 point per dollar on purchases outside Lowe's, while the standard card does not. Both cards work the same way for payments and account management; the difference is in rewards earning.