Lowe's Advantage Card
Basic Information
Program ID: lowes-advantage-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:44
Last Scraped: 01/15/2026 08:25
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,199.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 0 days
Bonus Timing: Discount automatically applied at checkout on your first qualifying purchase. The discount is typically applied instantly at the point of sale.
Rewards Program
Reward Type: Store Discount/Special Financing
Base Reward Rate: 0.05%
Bonus Reward Rate: 0.05%
Bonus Categories: 5% off on eligible Lowe's purchases OR choice of special financing offers on qualifying purchases. (Card is primarily for use at Lowe's stores and Lowes.com)
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A (Direct discount/financing, no points to expire. Benefits apply at time of purchase or statement credit.)
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
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.
Maximum Cards Per Issuer: 5
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Frequent promotional financing offers, discounts on Lowe's purchases, and a relatively straightforward application process for store loyalists.
Top Negative Feedback:
High standard APR outside of promotional periods, limited utility outside Lowe's, and occasional customer service complaints regarding billing or credit limit issues.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Home Depot Consumer Credit Card
- Chase Freedom Flex
- Discover it Cash Back
Card Value Score: 78.0 / 100
Est. Annual Rewards: $125.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0