Lowe's Advantage Card
Best for: Homeowners financing or discounting larger Lowe's projects
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
Lowe's Advantage Card at a glance
| Issuer | Lowe's / Synchrony |
| Card network | Visa |
| Annual fee | No annual fee |
| Rewards rate | 5% off eligible in-store & online purchases, or special financing on big projects |
| Welcome bonus | Discount on first purchase |
| Intro APR | Promotional financing on qualifying purchases |
| Regular APR | High store-card APR (see terms) |
| Foreign transaction fee | N/A |
| Credit needed | Fair to Good (640+) |
| Airport lounge access | No |
| Best for | Homeowners financing or discounting larger Lowe's projects |
Rewards & perks
- 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
Who should apply
- Credit in the fair-to-good range
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Lowe's / Synchrony site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Lowe's / SynchronyLowe's Advantage 4974 8658 3237 4024 VALID THRU 07/31RILEY CHEN Lowe's Advantage CardHomeowners financing or discounting larger Lowe's projects |
None | 5% off eligible in-store & online purchases, or special financing on b… | Promotional financing on qualifying purchases | N/A | Fair to Good (640+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.