Lowe's Advantage Card

Synchrony Pending

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5

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: lowes-advantage-card

Issuer: Synchrony

Card Name: Lowe's Advantage Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:44

Last Scraped: Feb 05, 2026 12:55

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Lowe's Purchases 5x Cash Back 5% off eligible purchases at Lowe's stores and Lowes.com. Exclusions apply, such as Lowe's Gift Cards, previous purchases, services, and extended protection plans. No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee charged for maintaining the Lowe's Advantage Card account.

Shopping 4
Everyday 5% Discount
5% off eligible purchases

Cardholders receive a 5% discount on eligible purchases made with the Lowe's Advantage Card at Lowe's stores or Lowes.com. This discount cannot be combined with special financing offers.

6 Months Special Financing
6 months special financing on purchases $299+

Cardholders can choose 6 months special financing on eligible purchases of $299 or more instead of the everyday 5% discount. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.

Project Financing Offers
Varies by project offer

Access to special financing offers for larger home improvement projects, which may include longer terms than the standard 6-month offer. Specific terms and availability vary by offer.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to exclusive promotions, discounts, and special offers available only to Lowe's Advantage Card members.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$100

Cash Back

Requirement: Spend $500

Timing: Discount applied at checkout on first qualifying purchase.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $0.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 18 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders typically receive a one-time discount (e.g., 20% off) on their first eligible Lowe's purchase. Ongoing benefits include 5% off eligible purchases at Lowe's or special financing options on qualifying purchases. These benefits are subject to change annually but are expected to remain core to the program in 2026. Eligibility requirements for application include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and consent to a credit check. Approval is subject to Synchrony Bank's credit underwriting standards, which typically require fair to good credit for store card approval.

Max Cards Per Issuer: 5

Min Spend Interval: The primary sign-up bonus (e.g., first purchase discount) is typically applied immediately upon the first eligible purchase. Ongoing benefits like the 5% discount or special financing do not have a minimum spend interval; they apply automatically to qualifying purchases.

Shutdown Risk Triggers: Excessive credit seeking (numerous recent applications with Synchrony or other issuers), high cumulative credit exposure across Synchrony products, late or missed payments, significant changes in credit profile, suspected fraudulent activity, or abuse of store return policies in conjunction with card benefits.

Cliff Effect Rules: The Lowe's Advantage Card is a standalone store credit product. There are no complex card family or 'cliff effect' rules that impact benefits based on holding other Synchrony cards or specific Lowe's branded products.

Special Events: Lowe's frequently offers enhanced financing promotions or additional discounts during major seasonal sales events, such as Spring Black Friday, Memorial Day, 4th of July, Labor Day, and specific home improvement project promotions (e.g., kitchen remodels, appliance sales).

Holiday Promos: Key promotional periods include Black Friday, Cyber Monday, Christmas/New Year's sales, and other major national holidays where retail spending is traditionally high, often featuring special financing offers or increased discounts.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Frequent shoppers benefit from 5% everyday discount or special financing offers. Relatively easy approval for fair credit. Useful for home improvement projects.

Top Negative:
High APR after promotional periods and deferred interest can be costly. Customer service issues with Synchrony Bank. Limited use outside of Lowe's. Low initial credit limits.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Home Depot Consumer Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Discover it Cash Back

Card Value Score: 85.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0