Lowe's Credit Card Calculator

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.
Updated 2020-02-13 By Robert Flowers III

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 Business AMEX Card.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

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.


Annual Fee

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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