Lowe's Advantage Card

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Annual Percentage Rate (APR)

Purchases: 26.99%
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

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


Apply 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 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 23, 2019
#1 Reviewer  -   View all my reviews (25)

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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