Lowes Credit Card

Lowes credit card can be used to manage your finances and receive special offers from the Lowes Home Improvement Store. Lowe’s also offers advice and assistance in managing the finances associated with your Lowe’s credit card, so you never have to worry about losing control of your budget.


The Lowe’s Card is a closed-loop, no-fee credit card that can only be used for purchases on Lowes.com and Lowe’s stores. Choose from 5% off purchases or 0% APR for 6 months on purchases of $299 or more. Lowes CC is available to consumers and businesses. The two cards differ in the services available and the offers you can get from Lowes CC to help you with your finances.


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With the acquisition of Lowes Synchrony Bank, Lowe’s will be able to offer its customers more than 1,740 stores across the United States as well as online at Lowes.com to manage and service their credit card accounts. Generally, the programs drive sales by offering consumers a strong consumer offering, which includes a five percent discount every day for all cardholders and special promotional offers.

Follow The Registration Steps 

  • To get started with your new My Lowes Credit Card services, visit the Lowes activation page www.lowes.com activate.
  • You must have an online account to start this process. To do this, press the “Secure connection” button and, most importantly, enter your username and password in the appropriate fields.
  • It is important that new users create their accounts online to start and complete the activation process.
  • After creating your account and logging in, explore the online control panel and from there select the Activate card option from the menu bar.
  • To continue this process, click “Register and Activate”.
  • Check your account number and press the Next button to continue.
  • The company will ask you to provide data for security clearance. Now you must enter your financial information.
  • Finally, agree to all terms and conditions for your new account and click the Activate Card button to complete the process.

Lowes Credit Card Login Process

Follow The Lowes Credit Card Login steps and stages:


Step 1: Open the card management page by clicking here. Manage your Lowe credit card account.

Step 2: On the left side of the page, find the Lowes Credit Card Login widget, and add your username and password. Read step 3 before proceeding.

Step 3: There is a “Remember me” option below the provided field to add credentials, just enable it when using your system/personal devices. If you enable the “Remember me” option, your username will be saved on the device you are using.

Step 4: Now click the “Secure Connection” button under the “Remember me” option.

The website will verify your credentials and, if true, will grant you access to my lowe website. Remember that you cannot use your lowes.com credentials here, it may be different.

How To Reset Your Lowes Account Password?

If you forgot your weak Lowes Credit Card Login code, the number needs to be assigned. Here you need to follow some steps to recover your password.

  • Check formal funds first.
  • Then on the Lowes Credit Card Login page, select the password reset solution that you will see.
  • Enter your customer ID and zip code today.
  • Then choose an appropriate new code that is easy to remember.
  • In later steps, you will be able to log back into your credit card account.
  • See also PLS Xpectations Lowes Credit Card Login – A manual for my PLS Xpectations prepaid card.


This will allow you to retrieve your Lowes credit card log In code and get your account working again.

Know The Credit Card Benefits

  • First, a 5% discount on all purchases made with Lowe’s Visa Rewards credit card.
  • Second, 0% interest for six months on purchases of $299 or more, or special financing for 36, 60, or 84 months on purchases of $2,000 or more.
  • Third, customers cannot combine the 5% cashback promotion with special offers or six-month financing. With the 6-month promotion, the cardholder must make a minimum Lowes Credit Card payment on time each month and pay the full purchase amount at the end of 6 months. Otherwise, the 0% interest rule will be canceled and interest will accrue on purchase.
  • Finally, the special financing offer is structured in 36, 60, and 84 months with fixed monthly installments for the respective number of months at a reduced APR of 3.99%, 5.99%, and 7.99%.

Best Features Of Lowes Synchrony Bank Card

Welcome Offer: Card offers 10% off your first Lowe’s order, up to $100 off (offer expires July 31, 2020).

Card Benefits: With the Lowes Advantage Card, shoppers can choose to receive a 5% discount on purchases or perhaps a 6-month zero% APR on purchases of $299 or even more. After the introductory period, the card carries a regularly adjustable APR of 26.99%.

Absolutely No Annual Fee: The Lowes Advantage Card has no annual fee.

Misuse: The Lowes Advantage card is actually a closed-loop credit card, meaning it can only be used for purchases at Lowe’s and www.lowes.com stores.

Absolutely Zero Percent Free Introductory Offer On Regular Purchases: Lowes Advantage card slots have the option to receive a zero percent APR for 6 months on purchases of $299 or more, as well as a reduced working interest for 84 weeks on purchases of $2,000 or more. The card does not offer 0% APR for purchases under $299. The traditional APR is actually 26.99%.

Deferred Interest If you choose to take full advantage of the exclusive financing associated with your Lowes Advantage card, you will be entitled to deferred interest. This means that if you do not make a purchase before the end of the introductory period, interest will be charged at the full price from the day of purchase.

No Benefit Plan: The Lowes Advantage Card does not offer a benefit plan.

What Are The Lowes Credit Card Payment Methods?

Online Payment Through The Lowes Synchrony Bank Website

The online Lowes Credit Card payment option is the most common payment option these days and it is also very convenient. Please see the steps below.

  • Visit the official website to manage your account at https://lowes.syf.com/login/.
  • Use your credentials to access your account.
  • After logging in, go to the Lowes Credit Card payment section and pay your credit card bill.
  • You will need to enter your checking or savings account information and bill payment details such as How much you want to pay etc.


Pay Over The Phone:

Lowes Credit Card payment by phone is also possible. Call the Lowes Credit Card Phone Number listed above and pay your card bills.

  • Lowe Advantage Card 1-800-444-1408
  • Lowe’s Visa Credit Card 1-800-508-2520

Payment By Mail:

Payment by mail is also possible, but please note that it may take some time for your payment to be processed by mail. You can email the addresses below.

  • Lowe’s Advantage Card PO Box 530914, Atlanta, GA 30353-0914
  • Visa Credit Card Lowe PO Box 960010, Orlando, FL 32896-0010

In-Store Payment:

All Lowe customers can visit any Lowe store and pay their credit card bills. When you arrive at the store, find a Lowes representative and ask to pay by credit card. If you don’t know where the Lowes store is, you can use the store locator link to find your nearest store or call 1-800-44LOWES.

Types Of Lowes Credit Cards

The Lowe’s Advantage credit card gives you a 5% discount on any purchase, whether online or at a Lowe’s store. There are no annual fees or monthly payments, and you can save up to $100 off your first in-store purchase. As with any other loyalty card, the annual percentage rate (APR) is certainly high.

“The special financing offer only saves interest if you pay your card during the promotion period. Interest is calculated from the date of purchase if you do not pay the balance in full, which can result in large bills.”

The Lowe’s Business Advantage card is similar to the Regular Customer Advantage card but is intended for people who work as home remodelers or in general construction. In addition to a daily 5% discount on every purchase, cardholders with this card get discounted shipping, convenient billing options, and cardholder-only events.

You can order multiple Business Advantage cards that will provide you with detailed transaction and product invoice information. You can also download purchase activity from Excel, Quicken, or QuickBooks for up to six months to track your activity.

The American Express Lowe Business Rewards Card is an American Express card that you can use at Lowe’s and anywhere that deductibles are accepted. You can also get $100 back on approval and 5% back on in-store purchases for the first 6 months and 2% after that, plus cashback on any eligible purchase.

Lowe’s Business Account Card provides “detailed transactions, SKU level details, order/contract name, and authorized buyer information”. Another handy feature is that you can be billed cash on delivery and receive PDF invoices via email along with clear payment terms.

Lowe’s PreLoad Discover card has no credit check and can be funded with a debit/credit card or business checking account. What’s special about this particular card is that you can set up purchases by the cardholder with custom categories.

Official NameLowes Credit Card
Portal TypeLogin
ServicesCredit Card Services


The Lowes Credit Card Number can be used at all Lowes stores and at www.lowes.com. This is a standard high APR credit card that offers special financing options such as deferred payments and discounts throughout the year. You can apply for Lowe’s credit card at www.lowes.com.


The My Lowes Card, on the other hand, has a credit limit of up to $30,000 and is designed to support home improvement projects, giving you a six-month “project window” during which no payments are due. There is no annual fee for the project card and you get fixed payments for 4 to 10 years. You can order a Lowe’s Project Card at any Lowe’s store.

The Lowe’s credit card offers cardholders year-round financing options and benefits at Lowe’s and lowes.com, including discounts, special offers, and deferred payment options. The My Lowes Card is ideal for those who make frequent purchases at Lowes and can take advantage of financing options such as deferred payments and discounts.

Common Questions

How Do I Get a Lowe’s Credit Card?

The Lowe’s card can be ordered in your store or online. To find out if you are eligible for this card, simply go online and fill in the required information and your eligibility status will be displayed. You may proceed with the additional Lowe’s Credit Card Application if you are eligible.

What other stores can I use my Lowe’s credit card at?

The Lowe’s Card will not be issued anywhere other than its stores and will not be used for any purchases at stores other than Lowe’s stores and its online store.

Does Lowe’s credit card generate credit?

Yes! Lowe’s Advantage card helps users build credit, but don’t forget to pay off your monthly balances. Otherwise, you will have bad credit and that is not good for anyone.

And the balance transfer?

Yes, you can transfer your Lowe credit card balance to another card at any time.

How good should my credit rating be?

To be approved for this card, you must have “fair” credit and a credit score of 620 or higher.


The Lowe’s Card is a closed-loop, no-fee credit card that can only be used for purchases on Lowes.com and Lowe’s stores. You can choose between 5% off purchases or 0% APR for 6 months on purchases of $299 or more. Project financing is available for purchases of $2,000 or more. All financing options are subject to interest. After promotional periods expire, the standard APR of 26.99% will apply. The My Lowes Card offers 20% off your first purchase from Lowe’s, up to $100 off (the offer expires January 31, 2021).

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