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  Lowe's Advantage Card

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Lowe's Advantage Card Claimed

Lowe's Advantage Card

Claimed
SuperMoney Net Recommendation Score +30  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +30, equating to 3.6 on a 5 point rating scale.

+30

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 26.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0
Number of Reviews 10

Lowe's Advantage Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Lowes credit card is the right card for you, read on.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Lowes credit card

The Good The Bad
  • Special financing available for projects costing $2000 or more.
  • 5% off purchases every day.
  • Special financing for appliances and purchases of $299 or more.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR of 26.99%.
  • No annual fee.
  • Considers applicants with fair credit.
  • Lowe's Advantage Card reports to multiple credit bureaus.
  • High interest rate
  • Special financing is null and void if bill is not paid in full within designated time.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

Lowes credit card FAQ

Does Lowes credit card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Retail

What are the Lowes credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Lowes credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Lowe's Advantage Card has a variable purchase APR of 26.99%.

Does Lowes credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Lowes credit card have an intro APR offer on new purchases?

Lowe's Advantage Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Lowes credit card?

The following fees apply:

Lowes credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee %
Returned Payment Fee $
Late Payment Fee Starting at up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Lowes credit card?

The Lowes credit card customer service number is (866) 226-5638.

What is the support contact email for Lowes credit card?

The support contact email for Lowes credit card is customer.service@mail.synchronybank.com.

What is the Lowes credit card login page?

You can access the Lowes credit card login page here.

How do people rate the customer service and user experience of Lowes credit card?

Overall, Lowes credit card is mostly recommended based on community reviews that rate customer service and user experience.

Does Lowe's Advantage Card report your account activity to credit bureaus?

Yes, Lowe's Advantage Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Lowes credit card

  • Visit the Lowes credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 23 days
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Retail
APR Type Variable APR
Balance Computation daily balance
Purchase APR (Variable APR) 26.99%
(Verified 08/04/2023)
Card Type
  • Store Card
Card Network Other

Lowe's Advantage Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +30, equating to 3.6 on a 5 point rating scale.

+30

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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