With the Lowe’s Advantage Card, you’ll save each time you spend when you use the everyday discount of 5% off* your eligible purchase or order charged to your Lowe’s account.

No interest if paid in full within six months.


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Cash Back

Cash back credit cards are an awesome way to save on whatever you buy, often offering up to 5% cash back rewards on popular categories — including home improvement stores. You can choose between cards that provide unlimited flat-rate rewards or opt for bonus rewards in yearlong or rotating categories. The best part? Your cash back rewards stack with any coupons you choose to use, including those from Lowe's!


8:30 am - 7 pm ET, 7 days a week

Call: 1-800-445-6937

Lowe's Advantage Credit Card

From good To exceptional ( Credit Recommended Good )

Lowe's Advantage Credit Card

Thinking about applying for the Lowe’s Advantage Card? If you want a card with rewards and advantages like 5% off* when you shop, or six months Special Financing** on purchases of $299 or more, or 84 fixed monthly payments with reduced APR† financing on purchases of $2,000 or more, a Lowe’s Advantage Credit Card may be right for you.

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No annual fee0

Limited Time Only: New accounts get 10% off your purchase today***


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Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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If you're a Lowe's loyalist, the Lowe's Advantage Card can make a lot of sense. Unlike store cards that give you rewards points that have value only if you return to the store and spend more money, this $0-annual-fee card gives you a flat 5% discount on almost everything at Lowe's. The card also offers deferred-interest financing for larger purchases — but if you take advantage of it, you need to be careful, or you could be in for a nasty surprise.
Lowe’s Advantage Card
The Chase Freedom Unlimited® offers a compelling combination of easy-to-learn rewards, flexible redemption options, a solid sign-up bonus, and a lengthy 0% introductory APR period — all for an annual fee of $0. Although the card has done away with its splashy 3% introductory rewards rate, its other features still put it at the top of the class among 1.5% cash back cards. And if you carry other credit cards that earn Chase Ultimate Rewards® points, it packs even more value.
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OnlineThe easiest way to apply is by filling out a Lowe’s credit card application online. Click “Apply Now,” then start by filling in the last 4 digits of your Social Security number and your phone number. Follow the instructions to complete your application. You’ll have to provide more pers
RewardsThe Lowe’s Advantage Card’s 5% discount stands out against Lowe’s competitors in the home improvement sector. Home Depot’s store card, for instance, doesn’t offer any ongoing rewards or discounts. Even among other big-box store cards, 5% off on purchases is a competitive reward
Details of prosGenerous discount on store purchases: A 5% discount on most store purchases is as good a rewards rate as you’re likely to find on a store credit card, and far better than what’s offered by some direct competitors. No waiting for discount: The 5% is taken off at checkout, so y
OnlineYou can pay your Lowe's Credit Card online either by signing in to your account or paying as a guest. You can even set up AutoPay to have your bill paid automatically each month.By the PhoneAlternatively, you can pay by calling 1-888-840-7651 or in Lowe's store at the customer service
The Lowe’s Advantage Card is ideal for Lowe’s fans who spend a fair amount of money improving and maintaining their homes. If you regularly find yourself needing tools, supplies, appliances, hardware, or paint, this card offers an automatic 5% discount on most purchases.Even people with just an
The Chase Sapphire Preferred offers an unusual amount of value for the price. A good pick for both frequent flyers and occasional travelers, the card not only has a solid rewards program and a mammoth sign-up bonus, but it also includes some of the most generous travel insurance benefits you’ll find for a card with an annual fee of less than $100.
Chase Sapphire Preferred® Card
HowCheck the store's list of inventory and consider shifting some of your everyday purchases to Lowe's. In addition to building supplies and appliances, Lowe's sells a surprising variety of home-related items: plants, home decor, furniture, cleaning supplies, pet care items, sports equip