How Hard Is It to Get a Lowe’s Credit Card | Things to Know Before Having One


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How hard is it to get a Lowe’s credit card? This is a question that a lot of people nowadays ask. As a result, we’ve written this article to assist you. Lowe’s, like many other retailers, has its credit card. Like other store cards, Lowe’s card can only get used at Lowe’s locations. And the savings and benefits you get are only accessible at the well-known home improvement retailer.

The incredible thing is that discounts and incentives are plentiful. You’ll save up to $100 on your first in-store transaction after being a card member and get special financing on eligible purchases with no yearly subscription.

However, the Lowe’s store card’s usual APR, or repayment schedule, is rather high, as with many store cards. Furthermore, the special financing option only saves you money on interest if you clear off your card before the introductory time expires.

If you don’t pay the sum in full, interest begins to accrue from the day of purchase. As a result, you may be slapped with large expenses. You also don’t receive the same freedom as other rewards cards that aren’t connected to a specific business. Lowe’s credit cards, as previously said, are notoriously difficult to get. As we emphasize this, please join us.

How Hard Is It to Get a Lowe’s Credit Card?

How Hard Is It to Get a Lowe's Credit Card

The Lowe’s Advantage Credit Card is one of the most challenging store cards, with applicants with “fair” credit or higher scores being preferred. Accepting a Lowe’s credit card is simple if you have good credit. A credit score of 620 is required for acceptance.

They may decline your application if your revolving usage is more than 30%. Before applying, you must always consider boosting your credit score.

By going to and choosing “Apply Now,” you may adapt for the Lowe’s Advantage Credit Card online. Personal information such as your name, location, and Social Security number will be required.

If you prefer, you may apply for the Lowe’s card in person. Inquire about applying for credit at a register or through customer service. Lowe’s often runs limited-time sign-up discounts exclusively available for in-store applicants. As a result, before applying online, we suggest questioning your next trip.

Some candidates will be accepted right away after a credit check. This isn’t the only credit card with fast approval. Some requests, however, may need further evaluation, culminating in a 7-10 day wait time.

What should you know about getting a Lowe’s credit card?

How Hard Is It to Get a Lowe's Credit Card

You should carefully consider if Lowe’s credit card is good for you, although many DIYers find Lowe’s credit card to be worthwhile. Here are some key facts before making your selection.

At the time of checkout, you will get a 1.5% discount.

When you use your Lowe’s credit card to make most transactions, you’ll automatically get a 5% reduction at the checkout. This is one of the card’s finest features.

Many other retail credit cards offer you coupons regularly or compensate you after purchasing. Lowe’s, on the other hand, offers this discount upfront. As a result, you’ll never have to wait for your card to save you money.

The 5% discount is valid only on qualified transactions and does not extend to gift cards. It also cannot be combined with any other discounts or coupons. Lowe’s military and employee discounts, as well as Lowe’s low-price promise, are all included. It also won’t work with Contractor Packs.

Fees, taxes, extended warranties, substitute plans, assembly costs, shipping, and delivery will not get discounted. Certain brands are also not eligible for the discount.

Offers of postponed financing

You may choose six months of 0% APR leasing instead of the 5% rebate on orders of $299 or more. Lowe’s also conducts special specials from time to time where you may receive 0% financing for a longer length of time. For instance, you may obtain 12 months at 0% APR on equipment or heating, cooling, or air conditioners.

Only if you repay the whole amount of your purchase during the offer period will you get a 0% interest rate. Otherwise, you’ll owe interest from the purchase date forward, which might be rather costly.

Funding for special projects

You can choose Project financing if you make purchases of $2,000 or more. This lowers your APR and enables you to pay for your project over a specified time with installments.

You’ll have to ask for this special financing while making your buy. Other purchases made with your card will be subject to your normal account conditions. Furthermore, the fixed monthly payment for special funding may be larger than your regular monthly minimum payment.

Get a discount on your first purchase in-store.

You’ll also get a discount on your first in-store Lowe’s purchase when you use your new Lowe’s credit card. If your first buy is between $30 and $599.99, you’ll discount $30. If you spend $600 or more on your first purchase, you’ll save $100.

You only have a certain amount of time to complete your first purchase, and your discounts cannot be paired with any other promotions. Credit card rebates, coupons, discounts, or special attractive schemes are included.

APR of a high level

When deciding whether or not to register for a Lowe’s credit card, there are a few major drawbacks to consider. One of them is the usual APR of 26.99 percent.

This is a very high rate of interest. If you don’t pay off your debt after a billing cycle, you might wind up owing a lot of money. This is also true if you don’t settle before the 0% promotional rate runs out. The interest you’d have to pay would be far more than the 5% discount you’d get using your card. This signifies that using this card will cost you a lot of money.

Financing alternatives with deferred interest

You may attribute back interest if you take advantage of deferred interest offers. This is true if you do not pay off the whole balance on your card before the end of the specified period.

Venture capital can also be a risky choice.

The danger of venture capital not being the greatest economic option is also present. This is true, given that your interest rate will return to the standard APR if you miss a fixed monthly payment.

Furthermore, even low fixed interest rates can increase the cost of your project compared to paying cash. This is true, yet the special rate may still be less expensive than personal or home improvement loans.

Advantages of Lowe’s Credit Card

how hard is it to get a lowe's credit card

So, with the positive and negative aspects highlighted, who is Lowe’s credit card best for?

The card is an excellent choice for DIYers who will reap the benefits of the 5% discount frequently. This is in addition to individuals who choose to pay off a venture over time and are fortunate to have the opportunity to make timely payments.

On the other hand, the card is only worthwhile if you don’t have to pay the normal APR on any of your transactions. This means you must be certain that you will be able to make all of your monthly payments on time.

The Office Depot credit card does not provide the same 5% discount on all purchases as the Lowe’s card. As a result, switching to Lowe’s to get this card may be worthwhile.

If you have a lot of house repairs planned and both shops are in your town, this is a good option.

In addition, cardholders receive a 5% rebate on Lowe’s buying. As a result, you might wind up spending a lot of money on home improvements and exceeding the rewards restrictions on conventional cash-back credit cards.

The Lowe’s store card may be a better choice for you at this stage since your discount isn’t limited and there’s no annual fee. Individuals with a credit score of “fair” or above are usually accepted in a few days.

Frequently Asked Questions

How hard is it to get a Lowe’s credit card?

The Lowe’s Advantage Credit Card is one of the most challenging charge cards, with individuals with “fair” credit or higher scores being preferred. Enrolling in a Lowe’s credit card is simple if you have good credit.

Lowe’s credit card is issued by which bank?

Synchrony Bank is the provider of Lowe’s credit card. Synchrony Bank is a significant financial organization with over 16,000 workers and 75 million active client profiles.

What is the minimum credit score for a Lowe’s card?

To enroll for the Lowe’s credit card, you’ll likely have a fair, good, or exceptional credit score. The average fair credit score is roughly 600. Scores in the upper 600s are considered good, while scores in the 800s are considered great.

Is Lowe’s credit card approved right away?

Yes. In most circumstances, Lowe’s credit card is approved right away. This means that after you submit your application, you’ll know immediately whether you’ve been authorized for the card. While your request is being processed, you may have to wait a week or more to obtain your findings.

Can I use my Lowe’s credit card anywhere?

Only Lowe’s in-store transactions and online shopping at are eligible for Lowe’s credit card. The Lowe’s card, a store credit card, cannot be used at any merchant other than Lowe’s shops or

How can I obtain a 10% discount at Lowes?

You may ask for a coupon directly at the Service Center Desk when purchasing at Lowe’s. The responses will differ depending on the shop. However, if you can present proof of residency and clarify that you are a newbie to the region and shop, they will usually offer you a 10% discount.


In conclusion, Lowe’s credit card is an excellent option for many people. At this point, checking out your possibility of getting approval is essential, as highlighted above.

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