Lowe's Advantage Consumer Card
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About
The Lowe's Advantage credit card gives consumers several special financing options to take advantage of. These can range from smaller purchases with a minimum of $299 to a much larger appliance purchase, or projects with a higher price tag of $2,000.
Formerly known as the Lowe's Personal card this is their credit option for the everyday shopper that wants a discount on their purchases. This credit card offer is not available to Canadian residents.
Annual Percentage Rate (APR)
For new accounts:
Purchases: 26.99%
Minimum Interest Charge: $2.00
Purchases: 26.99%
Minimum Interest Charge: $2.00
0% interest rate for 6 months on purchases over $299
0% financing for 12 months on select appliances
7.99% fixed interest rate for 84 months on promotional purchases of at least $2,000
0% financing for 12 months on select appliances
7.99% fixed interest rate for 84 months on promotional purchases of at least $2,000
Credit Card Fees
Annual Fee: None
Late Payment: Up to $40.00
Late Payment: Up to $40.00
Sign-up Bonus and Benefits
Basic Features
- 5% discount on eligible items bought at Lowes
- 5% discount does not apply towards purchases that use a financing offer
- Compatible with the Lowe's Mobile App
Resources
Apply Online
Credit Issuer: SYNCB
Where Can I Use This Credit Card? At all Lowe's Home Improvement locations
Pay Your Lowes Bill Online
Customer Service Phone number: 1-888-840-7651
Credit Issuer: SYNCB
Where Can I Use This Credit Card? At all Lowe's Home Improvement locations
Pay Your Lowes Bill Online
Customer Service Phone number: 1-888-840-7651
Editor review
| Overall rating | 2.8 | |
| Interest Rate (APR) | 2.0 | |
| Fees | 3.0 | |
| Rewards | 3.5 |
Do You Recommend This Credit Card?
Yes
The Lowes Advantage card is an above average store credit card with a high interest rate that gives consumers a good discount on most items.
The Lowes consumer that does most of their gardening, home improvement, and lawn care shopping there. The wise customer that takes advantage of a finance offer for their larger purchases and pays off their bill on the smaller ones.
Is The Interest Rate Competitive
At 26.99% the interest rate is high, but is actually 1 or 2 percentage points lower than most other store cards. The fixed rate financing offers might be more affordable for larger projects.
How Do You Like the Rewards
The flat rate of 5% off on all non-special financing purchases is a very solid reward for a store credit card.
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