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Lowe's Advantage Consumer Card
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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
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

Credit Card Fees

Annual Fee: None
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


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

Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 23, 2019
#1 Reviewer  -   View all my reviews (24)

Do You Recommend This Credit Card?

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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Is The Interest Rate Competitive
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