The 5% discount cannot be combined with the financing options, so you will need to choose between the two when making a purchases of $299 or more.
Key Cardholder Benefits
- When you use the Lowe's Advantage Credit Card to pay for a purchase that is $299 or more, you'll have the opportunity to choose 6-month financing instead of the 5% discount. With the 6-month financing, you must make the minimum payments every month and pay off the full amount of the purchase by the end of the 6-month period.
- For purchases of $2,000 or more, you'll have the option of project financing which is a 84-month special financing offer structured with fixed monthly payments at 7.99% APR.
The Lowe's Credit Card has a $0 annual fee.
Lowe's 5% discount calculator
Calculate the 5% discount you can receive with the Lowe's Advantage Credit Card based on the spend value you enter.
Does the Lowe's Advantage Credit Card have an annual fee?
No. The Lowe's Advantage Credit Card does not have an annual fee.
How do you apply for the Lowe's Advantage Credit Card?
You can apply for the card in-store or online at lowes.com.
What are the benefits of the Lowe's Advantage Credit Card
Benefits include a 5% discount at checkout and special financing options.
Can you use the Lowe's Advantage Credit Card for financing?
Yes. You can use the card for 6-month financing on $299 or more purchases and 84-month financing for purchases of $2,000 or more.