How to Apply For Lowes Credit Card

You can apply for Lowes Credit Card online by visiting and clicking “Apply Now.” You’ll need to provide personal details, including your name, address, and Social Security number.

How the Lowe’s Credit Card Works

Lowe’s offers its customers financing options to help them complete their renovation and home improvement projects. This is through a credit card called the Lowe’s Advantage Card.

The company promises cardholders daily advantages. They can choose between a 5% discount on certain purchases, six-month financing options on purchases over $299, or fixed payments for 84 months with a reduced  annual percentage rate (APR) on purchases of $2,000 or more. Cardholders can also take advantage of limited-time discounts and financial deals offered by Lowe’s.

The card works like every other credit card. The Advantage Card comes with a revolving line of credit, which means you can use the card up to your approved limit as long as you make regular payments every month. Cardholders can avoid interest charges by paying off the full balance every month. 26.99% as of February 2021. And another bonus—there’s no annual fee.

Things to know:

  • The Lowe’s Advantage Card provides Lowe’s customers with discounts and financing options.
  • Cardholders can choose from 5% discounts, special financing for six-months on purchases over $299, or fixed payments over 84 months at a reduced APR of 7.99% with a minimum $2,000 purchase.
  • You should have a good credit score in order to get the Lowe’s Advantage Card.
  • The regular APR for the Lowe’s Advantage Card is 26,99%.

Rewards and Benefits

Benefits of the Lowe’s Advantage Card include:

  • 5% off eligible purchases
  • Special financing for six months on purchases of $299 or more
  • Up to 84 months of fixed payments at a reduced APR on a minimum purchase of $2,000

Customers may not combine the 5% off promotion with the six-month or special financing deals. With the six-month promotion, the cardholder must make minimum payments on time each month and pay off the full amount of the purchase by the end of the six months. Otherwise, the 0% interest provision is rescinded, and interest is applied to the purchase. The 84-month special financing offer is structured with fixed monthly payments at a reduced APR of 7.99%.

The company also offers new cardholders with certain perks. For instance, if you open an account before Jan. 31, 2022, you can receive a 20% discount on your first purchase for a maximum of $100.

Apply For Lowes Credit Card

You can also apply for the Lowe’s card in-store if you prefer. Ask at a register or talk with customer service about applying for credit. Lowe’s will often run limited-time sign-up offers that are only valid to those who applied in-store, so we recommend inquiring on your next trip before applying online. Applicants with a credit score considered “fair” or above are typically approved within a few days.

Click here to apply.


1: What bank is Lowe’s credit card? The issuer of the Lowe’s credit card is Synchrony Bank. Synchrony is a large financial institution that has more than 16,000 employees and more than 75 million active customer accounts. You may want to see – Synchrony Bank Login: How To Access Your Online Account

2: What credit score do I need for a Lowe’s card? You’ll likely need a fair, good, or excellent credit score to qualify for the Lowe’s credit card. Fair credit scores typically start around 600. Good scores start around the high 600s, and excellent scores start around 800.

3: Is the Lowe’s credit card instant approval? In most cases the Lowe’s credit card is instant approval. This means you’ll immediately find out whether you’ve been approved for the card once you submit your application. In some cases, you may need to wait a week or more to receive your results while your application is being reviewed.

4: Where can I use a Lowe’s credit card? The Lowe’s credit card can be used only for Lowe’s in-store purchases or for online purchases at As a store credit card, the Lowe’s card cannot be used for any purchases at retailers outside of Lowe’s stores or

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