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
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
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 to read the terms of any promotional financing offer before opting for it.Info about the Lowe's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.5/5
752 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
4.4
Other Features
0.0
3.0/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% - 9.99% intro APR for 6 - 84 months, 31.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 20% off your purchase today when you open and use your card (up to $100 discount). Exclusions apply.
Get 5% discount on every purchase at Lowe’s. Exclusions apply.
Earn 1.25x points toward MyLowe’s Money™ with Silver Key status.
As a Cardholder, get FREE Silver Key status in the MyLowe’s Rewards loyalty program.
Choose between 5% off every day and special financing.
Lowe's Store Card's Additional Info
Deferred Interest Details - No interest if paid in full within 6 months on purchases of at least $299.
Fixed Rate Financing - 9.99% APR for 84 months on minimum purchases of at least $2,000.
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 to read the terms of any promotional financing offer before opting for it.
Lowe's Store Card Review Highlights
Here’s what you need to know about the Lowe’s Store Card before you apply.
Way better for rewards than financing. The Lowe’s Credit Card lets you choose between saving 5% on everything you buy at the store and paying down big-ticket purchases with “special” financing. But it’s an easy decision, considering what’s hiding within the financing promotion: a feature known as “deferred interest”. You can get a 0% intro rate for six months on purchases of at least $299, but if you miss a due date along the way or don’t repay your full balance by the six-month mark, interest will retroactively apply to your original purchase amount at the full regular rate. So what seems like a great way to save money could easily end up costing you big-time. A better approach is to use the Lowe’s Card to earn rewards on purchases you can repay within a single billing period and get a 0% credit card that’s not associated with a particular retailer for purchases you’ll pay off over time.
Extremely high regular APR. If you’re not convinced that carrying a balance from month to month with the Lowe’s Store Card is a bad idea, just consider the rate at which you’ll pay interest when its standard terms are in effect. The regular APR is well above the average among credit cards for fair credit – the minimum credit standing required for Lowe’s Card approval.
No annual fee is nice. This makes the Lowe’s Credit Card $23.75 cheaper than the average card and enables you to maximize your savings.
Fairly easy to get approved for. You only need “fair” credit to get approved for the Lowe’s Store Card. That, combined with its lack of an annual fee, makes the Lowe’s Card a decent choice for low-cost credit improvement. If you aren’t sure how good your credit is, you can check your credit score for free on WalletHub
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.5
Market Comparison
3.0
fees: 5.0
rewards: 0.0
cost: 4.4
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
4.2
Market Comparison
4.4
fees: 5.0
rewards: 4.3
cost: 4.6
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Lowe's Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make Lowe's Store Card payment online, by phone, by mail or at a store. To pay Lowe's Store Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make Lowe's Store Card Payment
Online: Log in to your online account and find the payment button.
By phone: Call 1-800-444-1408 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
MyLowe's Rewards Credit Card PO Box 669807 Dallas, TX 75266-0759.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a store: You can make a payment at any Lowe's store location
In conclusion, there are multiple ways to make a Lowe's Store Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The easiest way to apply for the Lowe's Store Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony Bank's website. Alternatively, you can apply in store.
Keep in mind that the Lowe's Store Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
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 issuer's mobile app.
How to Check Your Lowe's Store Card Balance
Online: Log in to your online account to see your Lowe's Store Card balance.
Over the phone: Call (800) 444-1408 and follow the prompts to have the automated system read your current balance.
The Lowe's Store Card is intended for applicants with fair credit. The card's key feature is 5% discount on anything you buy at the store. You also get 20% off first purchase, up to $100 discount. Plus, the Lowe's Store Card's annual fee is $0.
SYNCB/LOW on your credit report refers to the Lowes Credit Card, issued by Synchrony Bank. SYNCB stands for Synchrony Bank, while LOW means Lowes.
Seeing SYNCB/LOW on your credit report is nothing to worry about if you have the Lowes Credit Card or you recently applied for it.
If you do not have the Lowes Card and did not recently apply for it, you should file a dispute with the credit bureau that produced the credit report...
To talk to Lowe's Store Card customer service, call (800) 444-1408 and then wait to be connected to an agent. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Lowe's Store Card Customer Service by Phone
Call the Lowe's Store Card customer service department. You can even use the number on the back of your card.
The best Lowe's Store Card promotion is 20% off first purchase, up to $100 discount, exclusions apply. Cardholders do not need to do anything specific to take advantage of this Lowe's Store Card promotion, as it applies automatically There are a few other noteworthy Lowe's Store Card promotions to take advantage of as well.
Lowe's Store Card Promotions for May 2025
20% off first purchase, up to $100 discount, exclusions apply.
An introductory APR of 0% - 9.99% for 6 - 84 months on purchases (31.99% regular APR after that). Note, though, that this is deferred interest; if you miss...
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 pre-approved offers.
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 around a 80% - 90% chance of approval if you choose to apply.
However, if you do prequalify and want to get the card, you will need to submit an...
The Lowe's Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Lowe's Store Card.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Lowe's Store Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...
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 the number mentioned above. There's no guarantee they will change their decision, but it's definitely worth a try.
Share your insights and review for the Lowe's Store Card
5
32%
4
34%
3
12%
2
5%
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18%
3.5
752 reviews
752 reviews
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tlee8084 @tlee8084
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1 Star Rating
Synchrony Bank is a terrible partner for Lowe's card. There's a flaw in the online application, and I was hit with a significant second ding on my credit when they tried to work on it. And... 31.9% interest? We miss you, Senator Levin. That should not even be legal!
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Crystal Foote @Crystalfoote83
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1 Star Rating
Verified Customer
They will close your account even if you always have a low balance and always pay on time! Instead of decreasing the limit, they just closed ours the day after we used it, and we found out when we were in the store two days later because it kept denying our card. We have great credit and never missed any payments. Now, Lowe's will not get our business.
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Jonathan Kirkland @jonathan2000
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5 Star Rating
Verified Customer
Excellent for home projects and tools because I got a roof which was supposed to be $9200, but they gave me a deal for being a Lowe's card holder for $8200, which is still a lot. It was for a 700 sq ft house with two porches and a 1.5 car garage, and several pieces of wood also had to be replaced. The contractor was great, and Synchrony raised my limit from $3000 to $9400 easily without an inquiry on my credit. Then they offered me 12 months same as cash or 10 years at 9.99% on the roof, which is a very good offer. I am very pleased with this card. Can't wait to pay it off in about 5 years making double payments so I can then redo my kitchen, get a new privacy fence, and have siding and a garage door with an opener installed. One thing at a time. I may go through Home Depot to do the garage door. I'm hesitant because they supported a political figure I disagree with, but they got bought out by Lowe's now anyhow, so hopefully they don't contribute to that person anymore. Get this card!
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galan_benjamin @galan_benjamin
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1 Star Rating
Worst online payment system, I would like to cancel my card. This online payment system must be more user-friendly. I lost my time on line and the go to the store to paid my balance
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Raul Ramos @raulramossr43
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1 Star Rating
Just rip my Lowe's credit card. Reason? Tried to log in and could not do it. Finally was able to get through and paid my balance, however, I noticed that it did not say if it was successful or not. Thinking I paid the balance, later on, I noticed an additional charge of $30.00 for a late payment. Had to go 25 miles to the Lowe's store to find out what's going on. They were rude and did not want to hear my complaint, just pay your bill. I did! Not saying I will never go to Lowe's, however, I'll pay cash. Raul
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William McKee @cleartrace1
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1 Star Rating
I had this card for 2 and a half years... never late, never over the limit... Lowe's closed the account without any explanation or warning... insane.
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crystal foote @Crystalfoote83
They did the same to us, now Lowes won't get our business. They could have decreased our limit since we weren't using alot of the limit but instead closed it all together. We bought all of our pool chemicals from Lowe's too
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Guy Fadollone @smileforguy
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1 Star Rating
I'm a military veteran and have never been late on payments. Lowe's raised my credit limit this month without my asking. The moment I paid off the remainder of my balance in the same month, they closed my account because they checked my credit report without my permission and discovered my credit score had dropped slightly. Things happen in life, right? I had a credit limit of over $6,000. The point is, I've had credit with them for years and have never been late on a payment. It seems as if they punished me for paying off my credit card by closing my account. Does that make sense to you? That is very poor business practice. I will never spend another cent at Lowe's from this day forward. I still have a Home Depot credit card with thousands available for me to spend. My advice is to avoid Lowe's.
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Russell B @ruburke
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1 Star Rating
Verified Customer
After I received a $1000 credit card, I spent some of my money and was making payments on time. Then, for no reason whatsoever, they lowered it to $600 because I made all my payments so I paid it off completely. Well, I went to the store to buy some paint today, and they discontinued my card because I made all my payments on time. I would not recommend this card unless you miss payments so they can make money off you.
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DANIEL @pizzadan6
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1 Star Rating
Verified Customer
My account has been hacked. I've spoken to them about it and they refuse to stand by me. Now they are making me responsible. I will not pay for what I didn't buy. Worthless company.
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steve walker @freestyle4la
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1 Star Rating
Synchrony Bank is ruining Lowe's reputation! I had a $1,000 credit limit, always paid on time, and had about $700 available. Despite a year of punctual payments, they slashed my limit to $300. When I called to inquire about the reason, they blamed my credit score, which is perplexing since I have an excellent score with all the major cards and no late payments. Then, within 30 days, they abruptly closed my account. I've decided I will never shop at Lowe's again. I have stopped visiting their stores, even during holiday seasons. I sincerely hope the executives take note of my message and reconsider their partnership with Synchrony Bank as it's detrimental to the Lowe's brand and business.
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