Last Updated: 07/28/2025
SuperMoney User Recommendation Score +38
Mostly recommended13 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
Lowe's Advantage Card Review
This is a store card issued by Synchrony Bank. If you're wondering whether Lowe's Advantage 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 6 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Lowes credit card
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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
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Lowe's Advantage Card has a variable purchase APR of 26.99%. Lowe's Advantage Card does not offer balance transfers.
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. Lowe's Advantage Card does not offer balance transfers.Does Lowes credit card have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for Lowes credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 customer service number for Lowes credit card 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 login page for Lowes credit card?
You can access the login page of Lowes credit card 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 to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Lowes credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Lowes credit card
- Visit the website of Lowes credit card.
- 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.
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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