How do I apply for the Lowe's Credit Card? This question is about the Lowe's Store Card

How do I apply for the Lowe's Credit Card?

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This question is about the Lowe's Store Card

WalletHub, Financial Company

@WalletHub • 05/31/22 This answer was first published on 12/28/15 and it was last updated on 05/31/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The easiest way to apply for the Lowe's Store Card is by filling out an application online. Alternatively, you can apply for this card in person, at any Lowe’s store location. You cannot apply for the Lowe's Store Card over the phone.

How to Apply for the Lowe's Store Card Online

Visit the Lowe's Store Card webpage and click on the “Apply Now” button.
Fill in the last 4 digits of your Social Security number and your phone number.
Provide more personal information, including your address, full SSN, and salary.
Follow the instructions to complete your application.

How to Apply for the Lowe's Store Card in Person

You can apply for the Lowe's Store Card in person by visiting your nearest Lowe’s location. Ask your cashier about filling out an application, or go to the customer service desk.

If you’re approved the same day, you’ll be able to use the card for your purchases. New cardholders are usually eligible for a discount on their first purchase, regardless of whether they’re approved the same day they apply.

Ultimately, if you have applied for the Lowe's Store Card but haven’t yet received a decision, you can check the status of your application by calling (800) 445-6937 and choosing the “Lowe's Store Card” option.

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Alyssa Robins, Member

@alyssarobins • 05/05/20 This answer was first published on 03/09/18 and it was last updated on 05/05/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It's usually better to apply online, simply because you might get approved instantly. After you get approved, you can then take the card and get 20% off your first purchase, up to $100 off. It’s a pretty good deal, especially if you had been planning on making a big Lowe’s purchase.

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What credit score do you need for the Home Depot Credit Card?

You need a credit score of at least 640 for a Home Depot® Credit Card. This means you should have fair credit or higher for approval. That’s the case for both the Home Depot® Credit Card and the Home Depot® Business Credit Card. Both Home Depot credit cards are store cards, meaning they can be used only at Home Depot. Their 640+ credit score requirement is consistent with that of other store credit cards.

However, your credit score is only one of the factors considered when...

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Can I use my Synchrony Home Design card at Lowe's?

Lowe's uses synchrony, so yes you can. I have the home credit card and I used my on 10/10/2019 to buy an LG refrigerator. You can buy anything that's for your home.

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How do I increase my Lowe's Credit Card credit limit?

You can increase your Lowe's Store Card credit limit by making a request online or over the phone at (800) 444-1408. Alternatively, you may also get a Lowe's Store Card credit limit increase without asking, if your account is in good standing.

To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update your income. You will be more likely to...

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