Lowe's Credit Card Reviews: 600+ Advantage Card RatingsReviews, rates, fees, and rewards details for The Lowe's Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees20% discount initial rewards bonusQualify with fair creditHigh regular APR
Info about Lowe's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR677Reviews77Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Get 20% off your purchase today when you open and use your card (up to $100 discount)
Choose between 5% off every day and special financing
APR on Purchases
0% - 9.99% intro APR for 6 - 120 months, 26.99% APR after that
The Lowe's Credit Card is one of the best store credit cards on the market right now. It offers 5% back on all purchases and has a $0 annual fee. Applicants only need a minimum of fair credit to get approved for the Lowe's Credit Card, too. Just make sure... show more
Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $299.
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Limited time offer: Deferred Interest Details: No interest if paid in full within 12 months on Appliances, Installed Heating, Ventilation and Air Conditioning purchases of at least $299.
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Fixed Rate Financing: 7.99% APR for 84 months on a minimum purchases of at least $2,000.
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Limited time offer: Fixed Rate Financing: 9.99% APR for 120 months on For Installed Heating, Ventilation and Air Conditioning purchases or orders of $2,500 or more.
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Online: You can pay your Lowe's Store Card online, either by signing into your account or paying as a guest. You can even set up AutoPay to have your bill paid automatically each month.
Over the phone: If you want to pay by phone, call (800) 444-1408 and follow the prompts.
In store: You can also make a Lowe's Store Card payment in any Lowe's store location, at the customer service desk.
Via mail: Lastly, you can also pay your bill by sending it via mail. The address is:
Lowe's P.O. Box 530914 Atlanta, GA 30353-0914
For the Lowe's Visa Rewards use: Lowe's P.O. Box 960010 Orlando, FL 32896-0010
You should note that paying your credit card bill by mail takes the longest. Make sure to send it at least 7 days before the due date, so that it won't be late. Write your name and credit card number on the check, too.
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.
The easiest way you can check your Lowe's Store Card balance is by either logging in to your online account or calling customer service at (800) 444-1408. Alternately, you can check your Lowe's Store Card through the mobile app.
The Lowe's Store Card customer service number is (800) 444-1408. By calling this number, you get in contact with a live representative who should be able to answer your question or direct you to the appropriate department.
Current Lowe's Store Card promotions include a 5% discount on all Lowe's purchases and 6 - 120 months of 0% - 9.99% 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...
You can qualify for the Lowe's Store Card pre-approval if you have at least fair credit and your other financial information matches the issuer's specific criteria for sending you an offer.
You can also check if you pre-qualify online, without hurting your credit score. Pre-qualification doesn't guarantee approval, but it does give you...
The credit score that you need for the Lowe's Store Card is 640, at a minimum. That means people with at least fair credit have a shot at getting approved for this card.
Other Lowe's Store Card Approval Requirements
You should note that while your credit score is an important...
You can check your Lowe's Store Card application status over the phone at (800) 444-1408. If you're not instantly approved for the card, you might have to wait 7-10 business days to receive a decision in the mail.
In case your application is denied, you could ask the issuer for a reconsideration by calling...
You can buy gift cards with your Lowe's Store Card either online or at any Lowe's store. If you're looking for Visa or Mastercard gift cards, keep in mind that Lowe's only sells these gift cards in store, not online.
You should also take into account that gift cards don't get the 5% discount...
Share your insights and review the Lowe's Store Card
5
32%
4
36%
3
13%
2
5%
1
14%
3.6
677 reviews
677 reviews
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Gerald T @geraldu_3
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4 Star Rating
Verified Customer
It’s fine for a store card. Easy to use and easy to track spending history. This is not a reward card and doesn’t offer many perks.
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Lennis @lennisd
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2 Star Rating
Verified Customer
I have this card to use only for home improvement purposes but if I need it for other things it good to know that I have it to be prepared at all time
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Meleta @buddbrown37
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5 Star Rating
Verified Customer
I am happy to have applied and was accepted to get this card in store . It helps me save 20% plus I walked out the store without paying a dime with all the things I needed, I am very pleased and happy with my Lowes credit card . FYI it also gives you a 5% off every time you shop at Lowes!
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taliseiacharles727 @taliseiacharles727
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1 Star Rating
Verified Customer
Lowes card is the WORST! The bank holds you capture by lowering your credit limit because you not using it everyday to get in debt. They keep lowering the card until they close it. We decided to close it instead. They don't even send you a notice or anything that your limit will be taken down to the minimum. I HATE THAT BANK! THEY CAN CARE LESS ABOUT THE CONSUMERS. GOOD RITTENS!
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Lora @loraf_3
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2 Star Rating
Verified Customer
Lowe’s card is great to have for emergencies to buy appliance’s if you cannot afford to pay cash BUT the appliances are REALLY EXPENSIVE!
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Jeremy Whitesides @jeremyw_60
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5 Star Rating
Verified Customer
This bank is awesome really. They've stood by me through thick and thin with my credit status and have never lowered my limit and they always got paid. They've got great options to help get you appliances with zero percent financing for so many months. They can finance you a roof on your house with very low interest rates or zero percent. You save 5 percent for store purchases. The only one I decided to keep because they're so good to me
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Sandra Sue S @ssssandrasue
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5 Star Rating
Verified Customer
I use this card when I shop here. I save 5% when I use the card. . I pay it off ASAP / before I leave. My business with Lowes s/b showing. GODBLESS & TY
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Ken @kensullivan888
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5 Star Rating
Verified Customer
Good card high credit limit easy to apply ver high credit limit great products free delivery 5% off every day easy credit limit increase
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Joseph @jojo12_29_21
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4 Star Rating
Verified Customer
Lowes Advantage card is a great asset to have for everyday purchases. They carry just about anything you need. Instore or online, they got it and at a great value.
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Rocky @Rockybaker08
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5 Star Rating
Verified Customer
Great app besides the constant emails wanting something from u. This app helped increase all my limits. Nothing to buy but very consistent
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