Where can I use my Lowe's Credit Card?

Where you can use your Synchrony credit card depends on which card you have. Synchrony Bank mostly issues store credit cards, which only work at the specific retailers they’re affiliated with. But if your card has a Visa or Mastercard logo and an expiration date, it can be used pretty much anywhere.… read full answer

For example, the American Eagle Outfitters (AEO) Store Card can only be used at American Eagle Outfitters. But the American Eagle Outfitters (AEO) Credit Card can be used anywhere Visa is accepted.

Here’s where you can use popular Synchrony credit cards:

• Amazon.com Store Card: Amazon.com
• American Eagle Outfitters (AEO) Store Card: American Eagle Outfitters
• Lowe's Store Card: Lowe’s
• TJX Store Card: T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post
• JCPenney Credit Card: JCPenney
• Sam's Club® Credit Card: Anywhere Mastercard is accepted

Some of those cards also have a Visa or Mastercard version that can be used basically anywhere that takes credit cards. But they generally offer the best rewards on purchases made through the stores they’re affiliated with.

You can't get cash back in store with the Lowe's credit card, but you do have a 5% flat discount when you use it there.

Alternatively, there are special financing offers on bigger purchases you can opt for:

• Deferred interest plan: No interest on purchases of at least $299, if paid in full within 6 months. If not, interest will retroactively apply to your original purchase amount at the full regular 26.99% APR… read full answer
• Reduced APR Financing: 7.99% APR on purchases or orders of at least $2,000 for 84 months.

Note that you have to choose between 5% flat discount and special financing, you can’t have them both.

Current Lowe's Store Card promotions include a 5% discount on all Lowe’s purchases and 6 - 84 months of 0% - 7.99% deferred/reduced interest on big-ticket purchases. The Lowe's Store Card gives you a choice between the two. The card’s regular APR is 26.99%.

Occasionally, Lowe’s also runs limited-time credit card promotions for all cardholders. … read full answer

Here are the Lowe's Store Card promotions:

• 5% discount: You can get a 5% discount on everything you buy at the store.
• 0% - 7.99% deferred/reduced interest: You can pay down big-ticket purchases with “special” financing: You can choose a 0% intro APR if you pay in full within 6 months on purchases of at least $299. Note, though, that this is deferred interest; if you miss a due date along the way or don’t repay your full balance by the due date, interest will retroactively apply to your original purchase amount at the full regular rate. Alternatively, you can choose a reduced APR financing; 7.99% APR for up to 84 months on purchases or orders of $2,000 or more. The regular APR is 26.99%.
• Special temporary discounts: A recent example is 20% off first purchase, up to $100 discount.

You should probably pick the 5% discount on Lowe’s purchases out of the two promotions. Deferred interest really isn’t worthwhile. You’d get no interest if you pay in full within 6 months. But if you don’t, you’d owe all 6 months’ worth of interest at 26.99%.

If you need to finance, you’re better off getting a card that really gives you 0% interest and only charges interest on the balance that’s left after the intro period ends. You can check out our editors’ latest picks for the best 0% APR credit cards on the market to weigh your options.