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Lowe’s Accounts Receivable Business Credit Card

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If you’re a business owner looking for special financing options and a 5% discount at Lowes, the Lowe’s Account Receivable Business card might be the one for you. For no annual fee, you can issue cards to authorized employees and monitor them, but you’ll need to pay off your balances in full each month.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 5.00%–18.00%

Lowe’s Accounts Receivable Business Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 5% off on Lowe’s purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee Up to $20
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Lowe’s Accounts Receivable Business Credit Card


  • 5% off at Lowe’s
  • Must pay in full each month
  • Purchasing control can only be used at Lowe’s
  • Discounted delivery on Lowe’s ProServices purchases
  • Make purchases on your phone, fax or online at
  • Ability to limit dollar amount on single purchases
  • Individual and consolidated statements for linked primary/secondary accounts with product-level statement detail for each invoice
  • Robust job account management including account level itemized statements, and ability to pay by invoice


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-445-6937 or

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The Lowe’s Accounts Receivable card is for medium to large business owners looking to track employee spending without carrying a month-to-month balance.

You can request and manage cards for authorized employees, set spending limits, and monitor up to 12 months of statement activity along with other account activity.

After you link a secondary account to your primary account, you can:

  • Share credit lines and set specific limits
  • Track payments and purchases
  • Get consolidated or individual statements
  • View monthly statement transaction details such as store location, products purchased, or invoice number

This card has no annual fee and you’ll get 5% off every purchase Lowe’s, but you have to pay this card off in full every month.

See our review and comparison of all the Lowe’s business cards in our Review of the Lowe’s Business Credit Card Account Options.

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