Lowe's Advantage Card

  • 5% OFF EVERY DAY. With the Lowe's Advantage Credit Card, enjoy everyday savings of 5% off* your eligible purchase or order when charged to your Lowe's account.
  • The Lowe’s Advantage Credit Card offers the option to pay over time with Lowe’s Special Financing on purchases of $299 or more. Enjoy 6 months Special Financing* on each qualifying purchase.
  • Tackle your next project with Lowe’s financing options. Enjoy up to 84 fixed monthly payments with reduced APR† financing until paid in full when you use the Lowe’s Advantage Credit Card on any purchase $2,000 or more.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit, Above Average Credit Personal $0* N/A* N/A* 26.99%* Store Specific


Quick Summary:
This is a Other rewards card, issued by Synchrony Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a fair credit history. The APR is 26.99%* Fixed.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 657 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.

Other Basics:
The grace period listed for the Lowe's Advantage Card is at least 23 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.



Approval Rate:
There were 45 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 67% of those applicants were approved.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 657, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 95% of 20 users recommend this card.

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