Lowe’s Credit Card Review

Lowe’s Credit Card Review

If you find yourself visiting the Lowe’s Home Improvement frequently for purchasing regular tools, appliances or major project supplies, then you might have heard about the Lowe’s Credit Card often and wondered if you should apply for it or are you better off without it.

Well, with all the benefits that the store offers to its cardholders and the cost that you might have to incur to keep the card, here is a detailed review that would help you decide whether you should go for this store’s exclusive credit card or not.

Terms & Fees of Lowe’s Credit Card

  • Annual Fees: $0
  • APR: 26.99% Variable
  • Late Fees: Up to $35
  • Foreign Transaction Fees: $0

Quick Facts of Lowe’s Credit Card

  • You can choose between a 5% discount on every purchase of 24-month financing option
  • You cannot combine the discount with the financing offer
  • You cannot combine the 5% discount offer with any other ongoing discounts
  • The bonus discount can only be applicable if it has in-store application approval and purchase
  • Discount will not apply to gift cards, replacement plans, taxes, other necessary fees, shipping or extended protection warranty of the products
  • There is no annual fee
  • If you are unable to repay the entire payment by the end of the financing period offered, then the interest rate will be levied on the entire period starting from the date of purchase

Earning the Rewards of Lowe’s Credit Card

  • You will get a coupon card of the amount $30 on your first purchase using the card as a sign-up bonus
  • You will be eligible to receive a 5% discount on most of the purchases made in store as well as online
  • For large purchases, there will be two financing options available to you:
  • For purchases of $299 and above, you can avail the 6 months financing option at 0% APR
  • For purchases of $3,500 and above, you can avail the 84 months financing option at 5.99% APR
  • There are financing options available for 12, 18 and 24 months also
  • You cannot combine the discount offer with the financing options. Thus you will have to choose either of the benefits
  • The 84-month financing option can be availed only on the purchases made at Lowe’s store and not on online purchases

Redeeming the Rewards of Lowe’s Credit Card

  • Since there is no carried forward  reward points and just instant discount, nothing is carried forward, and each offer is valid to be redeemed at that particular purchase only
  • The 5% discount will be applied automatically at the cash counter in the store or checkout page while shopping online
  • You can choose the financing option instead of discount by requesting the person at the cash counter in the store or by selecting one of the financings offers at the checkout page on the website

Benefits to the Card Holders

Apart from the discount and financing options, the Lowe’s Credit Cardholders are also eligible to get some of the other benefits that include:

  • A welcome bonus of $30 coupon card which is applicable on your first purchase using the credit card either in-store or online
  • A user-friendly Lowe’s Mobile App which helps you to keep track of your registered financing options so that you can pay back in time, to save yourself from having to pay the deferred interest
  • You will get access to the weekly discounts and offers which are exclusive to the cardholders
  • You will get alerts about the discounts applicable in your area if you fill the pin code while registering
  • You get free shipping on eligible purchases
  • You can customize the design on your Lowe’s Credit Card to add a personal touch
  • Lowe’s has a very convenient customer support service for all its cardholders, and you can contact the associates through SMS, call and social media platforms like Facebook, Instagram, Twitter and YouTube


This card can be beneficial if you are looking for a credit card with no annual fee and are looking to make some major renovations at your place in the coming future or are a home designer/builder who frequently shops at Lowe’s Home Improvement Stores. Also, this card is good if you are not looking to carry the balance from one month to another and enjoy instant benefits on your purchases.

Lowe’s Credit Card Login

Synchrony Bank issues and manages the Lowe’s Credit Card accounts.
Owners of the Lowe’s Credit Card can log into the customer portal via Synchrony bank website and, once there, can update any personal information that has recently changed, manage their card, check balances, pay bills, and review the cardmember agreement.
The Synchrony bank lowes co-branded website can be accessed using the secured Synchrony Bank portal https://lowes.syf.com/LowesMarketing/marketing/LowesLogin.jsp?int_cmp=Credit:A:Credit:Corp:Manage_Account