Lowe's Advantage Credit Card Value & Points Calculator

Lowe's Advantage Credit Card

The Lowe's Credit Card allows customers to choose between a 5% discount on eligible purchases, 6-month financing on purchases over $299, or fixed payments for 84 months at a reduced APR on large purchases of $2,000 or more. Overall, it's a solid option if you frequently make purchases with Lowe's or if you need to financing for large projects.

Rewards Rates

Get an instant 5% discount at checkout on purchases made with Lowe's, in-store or online

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.

Annual Fees

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.

Enter any amount to calculate the 5% discount you'll receive on eligible purchases at checkout.
5% Discount: $5

Want To Earn A Bonus $30?

You can earn bonus cash back PLUS a $30 cash bonus on top of your 5% discount when you sign up for a free Rakuten Rewards account and start your online Lowe's shopping session through their portal.


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.

Our Recommendations For Lowes

$200 bonus
Fantastic card that doubles as credit card and personal loan. Earns 3% back on home, health, and auto purchases. High credit limits of up to $20K.
$200 Statement Credit
Best no-annual fee cash back credit card for U.S. online retail, U.S. supermarket and U.S. gas station purchases. Great option for shopping on lowes.com.
75,000 bonus miles
Earn an unlimited 2X miles on all purchases that can be put towards any kind of travel including airfare, hotels, car rentals, and more—all at a low annual fee.
Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
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