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What score do you need for a Lowes credit card?

What credit score is needed for the Lowe's Advantage Card? The Lowe's Advantage Card is a retail card, so it may be easier to qualify for than a traditional credit card. However, you'll have the best chances of qualifying with a good-to-excellent credit score of at least 670.

time.com - Lowe's Advantage Credit Card Review 2023 | NextAdvisor with TIME

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Editorial Independence We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money. Lowe’s Advantage Card Learn More externa link icon Editor’s Score: (3.45/5) Editor’s Score: (3.45/5) rewards rate: 3.5 welcome bonus: 3.0 annual fee: 5.0 other costs fees: 3.0 intro apr: 3.0 other benefits: 2.0 simplicity: 3.0 annual percentage rate: 2.0 Learn more externa link icon At our partner’s secure site. Lowe’s Advantage Card Editor’s Score: (3.45/5) Editor’s Score: (3.45/5) rewards rate: 3.5 welcome bonus: 3.0 annual fee: 5.0 other costs fees: 3.0 intro apr: 3.0 other benefits: 2.0 simplicity: 3.0 annual percentage rate: 2.0 Intro offer: N/A

N/A Annual fee: No Annual Fee

No Annual Fee Regular APR: See Terms

Special financing offers for select purchases

No annual fee

Prequalification Cons High APR

5% off or special financing, but not both

Store card has limited utility The Bottom Line The Lowe’s Advantage Card is a store card that grants you access to 5% savings or special financing on eligible purchases with the home improvement retailer, for no annual fee. If you shop at Lowe’s often, or you’re planning to spend a lot on home improvement in the near future, this card is worth considering. The Lowe’s Advantage Card is a store card that grants you access to 5% savings or special financing on eligible purchases with the home improvement retailer, for no annual fee. If you shop at Lowe’s often, or you’re planning to spend a lot on home improvement in the near future, this card is worth considering. Additional Card Details Earn 5% off every day or sign up for six months special financing offers (on eligible purchases) when you shop with Lowe’s Get 20% off your first purchase (up to $100 discount) through Jan. 31, 2022 Retail credit card that may only be used at Lowe’s, in stores or online

26.99% variable APR

Card Type

The Lowe’s Advantage Card is a store credit card issued by Synchrony Bank. You can only use the card at Lowe’s stores or online.

Annual Fee

Welcome Offer

You can get 20% off your first Lowe’s purchase (up to $100 discount), through Jan. 31, 2022.

Rewards

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The 5% discount can be used on spending in-store or online. This generally applies to anything you buy, but there are exceptions within the terms, including services like assembly or installation fees, gift cards, and Weber or Kichler brand products. For eligible purchases over a certain amount, you can forgo the 5% discount in favor of special financing offers. These offers change over time, range in length, and may differ for specific purchases like appliances or HVAC equipment. Currently, you can earn six months of no interest special financing on purchases of $299 or more, or qualify for 7.99% APR fixed monthly payments for 84 months on purchases of at least $2,000.

Fees

This card has a 26.99% variable APR. If you make a late payment, you may incur a fee up to $38. If you do sign up for one of this card’s special financing offers, it’s especially important to pay down your balance within the promotional period. These offers are deferred interest offers, meaning if you have any balance remaining when the period ends, you’ll take on interest going all the way back to the purchase date. If you apply for the Lowe’s Advantage Card, start off with great savings by doing so when you have a large purchase to make. When you sign up and get approved, you’ll get 20% off your first purchase made with the card, up to $100 off. That cap means the benefit maxes out after $500, but can bring your initial $500 purchase with the card down to $400. From there, use the card anytime you make a purchase with Lowe’s, but have a plan for your 5% discount or special financing options with each purchase. You can’t use these two offers at once, so you’ll have to choose. If you opt for a special financing offer, make sure you can pay off your purchase before the offer ends. Otherwise, you’ll be stuck paying deferred interest at the regular variable APR of 26.99%. Similarly, if you choose fixed monthly payments with a reduced APR on any large purchases, make sure you can meet at least the monthly payments and pay the balance in full early or on time. Even if you choose to get 5% off your purchases instead of special financing, you should pay off your credit card balance right away. The high variable APR this card charges will wipe out any savings you get from the discount in a hurry. If you have a large home improvement project coming up or generally spend a lot on home furnishings, tools, or landscaping materials at Lowe’s, this card offers great payment flexibility and savings.

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For your everyday home purchases — whether you’re replacing lightbulbs and batteries or attempting a DIY project — 5% savings is better than you’ll find on most cards with home improvement rewards categories. The card’s special financing offers can be beneficial too, especially if you’re buying new appliances or other pricey gadgets and want the chance to pay them off without interest for a limited time. But there are limitations to keep in mind. Most importantly, the “no interest” offer isn’t the same as many 0% intro offers on general credit cards. It’s a deferred interest offer, so if you don’t pay the full amount by the end of the intro period, you’ll incur interest payments going all the way back to your purchase date. The Lowe’s Advantage Card is also a closed-loop retail card. This means it may be easier to qualify for than a regular credit card, but you’ll be limited to spending in-store or online with Lowe’s. If you’re looking for rewards on your everyday purchases outside of the retailer, look for a standard card on a widely-accepted network, like Visa, Mastercard, or American Express. Cards like the Capital One Quicksilver Cash Rewards Credit Card may be a more flexible option for saving on interest (it offers a 0% intro APR on new purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that), while earning 1.5% cash back rewards on every purchase. And if you aren’t strictly loyal to Lowe’s for home improvement spending, you may also want to consider the Home Depot Consumer Credit Card*. While it doesn’t offer the same ongoing discounts, you can qualify for similar special financing options. Pro Tip You can earn rewards and enjoy 0% APR at the same time with many general cash back credit cards. Make sure to compare non-retail cards to the Lowe’s Advantage Card before you apply.

Frequently Asked Questions

time.com - Lowe's Advantage Credit Card Review 2023 | NextAdvisor with TIME

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