Lowe's Advantage Card
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Annual Percentage Rate (APR)
Purchases: 26.99%
Minimum Interest Charge: $2.00
Minimum Interest Charge: $2.00
Fixed Monthly Payments Available
- Minimum purchase of $2,000
- 84 months at 7.99%
- 60 months at 5.99%
- 36 months at 3.99%
Credit Card Fees
Annual Fee: None
Late Payment: Up to $38.00
Late Payment: Up to $38.00
Sign-up Bonus and Benefits
Receive One of the Following
- $30 off first purchase when you spend up to $599
- $100 off first purchase when you spend more than $600
- 0% interest rate for 6 months on purchases over $299
Basic Features
- 5% discount on eligible items bought at Lowes
- 5% discount will not be applied if you take a financing offer
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
Credit Issuer: SYNCB
Where Can I Use This Credit Card? At all Lowe's Home Improvement locations
Pay Your Lowes Bill Online
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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