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Lowe’s Advantage Credit Card

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Coming with no annual fee and a solid rewards rate, this store card may come in handy if you’re an avid Lowe’s shopper or you need special financing on some large purchases.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 26.99% Variable

Lowe’s Advantage Credit Card

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

Highlights & Features


Spending Rewards
  • 5% off or special financing up to 84 months at Lowe’s
Introductory Bonus
  • 10% off on the first day of account approval

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 Up to $38
Returned Payment Fee N/A
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 Advantage Credit Card


  • 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


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

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1-800-445-6937 or

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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.

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