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⚖ Add to comparisonLowe's / Synchrony · Visa
Lowe's Advantage Card
A store-only card that earns nothing as a rewards card; its job is the 5% discount on eligible Lowe's purchases or special project financing on big renovations. For a $5,000 kitchen project that 5% is $250 off, but you generally can't stack the 5% and the financing on the same purchase, so run the numbers on which saves more. Useless outside Lowe's and carrying a deferred-interest balance past the promo period is costly. Read the financing terms carefully on lowes.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% off your everyday purchases
- ✓Financing available for projects
- ✓No annual fee
👍 Pros
- + No annual fee
- + Save right away at Lowe's
- + Financing for larger projects
👎 Cons
- – Really only pays off at Lowe's
- – APR is high unless you pay in full
Can you get it?
- ▸Credit in the fair-to-good range
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Lowe's Advantage Card?
Finish your application on Lowe's's own secure site.
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