Frequently Asked Questions

The Lowes credit card offers its users a revolving line of credit. Therefore, users can purchase discounted items from your store without paying interest for using the Lowe card. At the end of the month, they just need to make sure that the balance is paid. You can use this credit card without waiting until the end of the month if you’re sure your money will be here by the end of the month.


Frequently Asked Quesions

What will my credit limit be?

It just depends on your credit rating. If you have good credit, you can expect an initial credit limit of between $2,000 and $4,000.

Should I opt for the 5% discount or 0% financing?

That’s the big question. If you don’t want to take Lowes Credit Card with you, opt for the 5% instant cashback.

But if you’re planning a big purchase, say, a $2,500 refrigerator, and you want to pay it off over time, you’re better off doing 0% financing in 6 months.

Which bank issues the Lowe’s card?

Synchrony Bank issues all types of Lowe’s cards: Lowe’s Advantage credit card, Lowe’s Visa Rewards card or Lowe’s SetPay account.

Can I pay Lowe’s bill online?

Yes, you don’t need to register to pay. Synchrony Bank’s QuickPay feature allows you to pay online by going to Lowe’s QuickPay page. Use your card number, the last four digits of your CPF and your zip code to make the payment.

What credit score do I need for a Lowe’s card?

“The Lowe’s Advantage card is a retail card, so it may be easier to qualify than with a traditional credit card. However, you have the best chance of qualifying if you have a good to very good credit score of at least 670.”

Which bank is Lowe’s credit card from?

Synchrony Bank — Synchrony Financial (NYSE: SYF) — is the issuer of Lowe’s credit cards. The bank specializes in promotional financing in various areas such as housing, leisure and leisure, automobiles and health.

Can I use my Lowe’s Gift Card to withdraw the balance from my Lowe’s Credit Card?

The Lowe Gift Card cannot be used to make payments to a funded account. This is especially true for many of Lowe’s competitors, but you’d better check if this payment method is available.