Lowe's Advantage Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: synchrony-sewing-more-credit-card

Issuer: Synchrony

Card Name: Lowe's Advantage Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:20

Last Scraped: Feb 15, 2026 16:37

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA) for eligible servicemembers, including a potential interest rate reduction to 6% APR on existing balances for accounts opened prior to active duty.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0

The card does not charge an annual fee for card membership.

Lifestyle 1
Online Account Management
N/A

Convenient access to manage your credit card account online, including viewing statements, making payments, and monitoring activity.

Security 1
$0 Fraud Liability
$0

Cardholders are not responsible for unauthorized charges made with their card.

Shopping 1
Special Financing Offers
Varies by promotion (e.g., 0% APR for 6, 12, 18 months)

Access to promotional financing options, such as 0% APR for a specified period, on qualifying purchases made with the card at participating retailers. These offers vary by promotion and retailer.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number or ITIN, and demonstrate verifiable income with a fair to good credit history. Approval is subject to Synchrony's credit underwriting standards. This card is store-specific, meaning it can only be used at participating sewing and craft retailers that accept Synchrony's private label credit cards. Bonus Rule (2026 Update): Receive 15% off your first purchase made within 30 days of account opening (up to a maximum discount of $100). Additionally, new cardholders qualify for 0% APR for 12 months on purchases of $299 or more made within the first 90 days. A secondary bonus offers a $50 statement credit after spending $500 in the first 3 months.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Excessive credit limit accumulation across multiple Synchrony accounts, frequent opening of new Synchrony accounts in short succession, abuse of promotional financing terms (e.g., consistently making minimum payments on 0% APR offers without intent to pay off, then defaulting), suspected fraudulent activity, or default on any Synchrony-issued product.

Cliff Effect Rules: Synchrony evaluates a cardholder's total credit exposure across all its issued cards (store cards, general purpose cards). While there isn't a strict 'family' rule for benefits, exceeding a certain cumulative credit limit across all Synchrony accounts can lead to denials for new applications, credit limit reductions on existing accounts, or account closures, regardless of individual card performance.

Special Events: Exclusive cardholder discounts during seasonal sales (e.g., Spring Sewing Event, Fall Fabric Fest), early access to new product launches, bonus reward points on specific categories (e.g., sewing machines, fabric bundles) during promotional periods, and birthday discounts.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, and Back-to-School (July-August) often feature enhanced promotional financing or bonus rewards.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process, offers special financing on large purchases, good for building credit, occasional store discounts.

Top Negative:
High interest rates after promotional period, difficult customer service, limited use outside of specific store, frequent credit limit increases without request.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card
  • Capital One Platinum Secured Card
  • Lowe's Advantage Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0