Lowe’s Advantage Credit Card

For People with
Fair Credit

The Lowe’s Advantage Credit Card provides a discount of up to 5% off on everyday purchases, when you decline any special financing offers. You’ll get six months special financing on eligible purchases of $299 or more, and up to 84 months financing on purchases of $2,000 or more.

If you’re an avid shopper of Lowe’s, the 5% off purchases and $0 annual fee could make up for the lack of rewards provided by this card.

Card Quick Facts

Card Quick Facts

  • 5% off when you decline any special financing offers
  • Special Financing: 6 months special financing for purchases of $299 or more, or up to 84 months special financing with a minimum purchase of $2,000
  • No annual fee

For People with
Fair Credit

Manage My Card

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Card Details



  • 5% off or special financing
How to Redeem
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 26.99% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 5% Off or Special Financing

    You can get 5% off every purchase, or choose six months special financing for purchases of $299 or more; or get up to 84 months special financing for purchases of $2,000 or more.

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