Lowe's Advantage Card
A store card for home-improvement shoppers offering 5% off eligible purchases or special project financing.
Why it ranks
- No annual fee
- Instant savings at Lowe's
- Financing for big projects
What holds it back
- Only useful at Lowe's
- High APR if not paid in full
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A store card for home-improvement shoppers offering 5% off eligible purchases or special project financing.
Lowe's Advantage Card at a glance
| Issuer | Lowe's / Synchrony |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Discount on first purchase |
| Rewards rate | 5% off eligible in-store & online purchases, or special financing on big projects |
| 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+) |
| Best for | Homeowners doing renovation projects at Lowe's |
| Airport lounge access | No |
Rewards & benefits
- 5% everyday discount
- Project financing options
- No annual fee
Eligibility & who it suits
- Fair-to-good credit
How to apply
Check current rates on Lowe's / Synchrony’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | L/Lowe's / SynchronyLowe's AdvantageNo annual fee · US Lowe's Advantage CardHomeowners doing renovation projects at Lowe's |
None | 5% off eligible in-store & online purchases, or special financing on big project… | Discount on first purchase | N/A | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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