Lowe's Advantage Card

Lowe's Advantage Card

Lowe's Advantage Card

Lowe's Advantage Card

Lowe's Advantage Card

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Card details

  • Get 20% off when you open and use a new account. Up to $100 discount. Offer ends 1/31/23. Then, enjoy everyday savings of 5% off your eligible purchase or order when charged to your Lowe's account.

  • Pay over time with Lowe’s Special Financing on purchases of $299 or more. Enjoy 6 months Special Financing on each qualifying purchase.

  • Tackle your next project with Lowe’s financing options. Enjoy up to 84 fixed monthly payments with reduced APR financing until paid in full when you use the Lowe’s Advantage Credit Card on any purchase $2,000 or more.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    N/A

  • Intro APR

    N/A

  • Ongoing APR

    Purchase: 26.99%, Variable

  • Foreign transaction fee

    N/A

Recommended credit score

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NerdWallet review

By Paul Soucy

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4

Editor's overall rating

Pros and cons

Pros

  • No annual fee

  • High rewards rate

  • New cardholder bonus offer

Cons

  • Rewards have limited flexibility

  • No 0% intro APR

If you're a Lowe's loyalist, the Lowe's Advantage Card can make a lot of sense.

Unlike store cards that give you rewards points that have value only if you return to the store and spend more money, this $0-annual-fee card gives you a flat 5% discount on almost everything at Lowe's.

The card also offers deferred-interest financing for larger purchases — but if you take advantage of it, you need to be careful, or you could be in for a nasty surprise.

For more information, see NerdWallet's full review of this card.