Review the benefits of the Lowe's Advantage Credit Card, calculate how much cash back you can earn with Lowe's, and compare results to top rewards cards.
The Lowe's Advantage Credit Card is a store card offered by Synchrony Bank. It's a great card for anyone that wants to earn a 5% discount on purchases made at Lowe's and have access to Lowe's financing services which includes 6-month financing for purchases that are $299 and up and project financing for 84-months for $2,000+ purchases. The Lowe's Advantage Credit Card also offer other forms of financing and promotions throughout the year.
If you'd rather earn an overall higher return on spend and don't care too much about financing with Lowe's, you'll want to steer your attention towards the Lowe's American Express Business Card.
The Lowe's Advantage Credit Card can only be used in-store or online at Lowe's. There's no limit to the amount of times you can use the discount featured on the card.
- 5% Lowe's
- Includes in-store and online purchases made with Lowe's.
- Cannot earn 5% back and have financing; you must pick between the two when making a purchase of $299+.
This discount cannot be combined with any kind of coupon or discount including military discount, employee discount, and Lowe's low price guarantee. The discount also does not apply to shipping, delivery/assembly charges, taxes/fees, and gift cards.
Perks & Benefits
The primary benefit of the Lowe's Credit Card is the special financing the card offers for purchases over $299 and the financing it offers for large projects costing $2,000 or more.
- 6 Month Financing
- Applies to purchases of $299 or more.
- You must choose between financing and the 5% Lowe's discount; you cannot have both.
- Project Financing
- Applies to purchases of $2,000 or more made to the card.
- Project financing is 84 Fixed Monthly Payments (7 years) at 7.99% APR.
There is no annual fee for the Lowe's Credit Card which means you'll always save 5% when you choose the discount option.
Authorized User Fee
There is no authorized user fee for the Lowe's Credit Card. If you have family or friends that shop at Lowe's, I recommend adding them to the card so that they can save on their Lowe's purchases as well.
Foreign Transaction Fee
The Lowe's Credit Card does not have a network so it cannot be used outside of in-store Lowe's purchases and on Lowes.com.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.