How to Apply for the Lowe’s Credit Card

Do you want to apply for a Lowe’s credit card? As one of the most popular home improvement store credit cards, the Lowe’s card can be extremely useful for both casual and more serious DIYers. However, like any credit card, it’s important to understand the terms and how to maximise the card’s benefits.

How to Apply for the Lowe's Credit Card

The Lowe’s credit card, issued by Synchrony Bank, is a store card that can only be used at Lowe’s locations and on However, it does offer some nice perks, especially if you frequently shop at Lowe’s for home improvement supplies and materials.

Some key highlights of the Lowe’s credit card include:

  • Special financing offers on purchases of $299 or more
  • 5% off every day – even on sale items
  • No annual fee
  • Opportunity to open a Lowe’s business credit account

In this blog post, you will learn everything you need to know to decide if the Lowe’s credit card is the right choice for your home improvement projects and make the most of it once approved.

Benefits and Features

The main draw of the Lowe’s credit card is the ability to save money on purchases and gain access to special financing offers.

Here are some of the most valuable benefits:

  • Cardholders enjoy 5% off all purchases, including sales items. Special order products like custom cabinets also qualify for the discount.
  • One of the biggest benefits is interest-free financing promotions on purchases $299+, allowing 12-36 months to pay, making large projects more affordable.
  • Lowe’s also runs deferred interest promotions periodically.
  • Cardholders can earn bonus points in the MyLowe’s program, scoring free $25 gift cards faster with 2 points per $1 spent. During certain sales events, earn accelerated 4x or 10x points per $1.
  • If you find a lower price elsewhere, Lowe’s will price match and still give you the 5% discount.
  • Small business owners can open Lowe’s business credit accounts to save on supplies, with credit lines up to $50k available.
  • Best of all, there’s no annual fee to have the consumer credit card and take advantage of the savings.

How to Apply for the Lowe’s Credit Card

Wondering how to apply for a Lowe’s credit card and start saving on your home improvement expenses? Submitting an application is quick and easy.

You can apply in any of the following ways:

  • Online – Visit the Lowe’s credit card application page and complete the online form.
  • In-Store – Stop by the customer service desk at any Lowe’s location to fill out a paper application.
  • Over the Phone – Call 1-800-445-6937 and apply for the Lowe’s card with a customer representative.

In most cases, you’ll find out instantly if you’re approved after submitting the application. If approved, you can start using your card immediately in-store or online to take advantage of the 5% everyday discount and other benefits.

Be sure to have the following information handy when applying:

  • Your Social Security Number
  • Date of birth
  • Annual income amount
  • Employment details

Synchrony Bank will perform a hard credit inquiry and evaluate your creditworthiness when reviewing your application. Having good to excellent credit (scores above 700) will increase your chances of approval and qualify you for the highest credit limit.

But even if your credit is fair or average, approval is still possible. Scores as low as 550 have been accepted, according to some customer reviews.

Lowe’s Credit Card Login

To access your Lowe’s credit card account online, you will need to login to the Synchrony Bank website or mobile app. Here are the simple steps to login:

  1. Go to or download the Synchrony mobile app to your device.
  2. Click on the “Login” link in the top right corner.
  3. Enter your account username and password and click “Sign In”.
    • If you have not previously registered your online account, you will need to provide some personal details to verify your identity and create a username and password first.
  4. From your account dashboard, you can see your account balance, available credit, recent transactions, statements, make one-time payments, set up recurring payments, update personal details, and more.
  5. To specifically view just your Lowe’s credit card details, find and click on your Lowe’s account in the “My Accounts” section.

Logging in online allows convenient access to monitor your spending as well as make payments. Be sure to bookmark the Synchrony site and store your username and password in a safe, secure place for hassle-free access anytime.

Alternatives to the Lowe’s Credit Card

While the Lowe’s credit card offers nice rewards for frequent shoppers, it does have a high interest rate if you carry a balance. Other credit card options may be a better fit depending on your financial situation and spending habits.

Here are a few alternatives worth considering:

General Cash Back Cards

Flat-rate cash back cards like the Citi® Double Cash Card or Chase Freedom Unlimited offer 1.5% to 2% back on all purchases. With these cards, you wouldn’t be limited to just Lowe’s rewards.

So they may earn more over time if you split purchases between several stores. But keep in mind these standard cash back cards likely won’t offer longer interest-free financing deals.

Home Improvement Store Cards

If Lowe’s isn’t your go-to home improvement retailer, consider store cards from competitors like The Home Depot or Menards. You can enjoy 5% to 11% everyday savings at those locations instead through their proprietary credit cards.

Compare terms and store-specific rewards programs to determine which brand you shop at most before applying for credit. Most DIYers tend to frequent either Lowe’s or Home Depot fairly loyally.

0% Intro APR Credit Cards

Rather than retailer-specific financing offers, a separate low interest credit card could offer an intro 0% APR period for purchases AND balance transfers. Cards like the Citi Simplicity® Card or Wells Fargo Reflect® Card provide 12 to 21 months interest-free spending.

However, the overall credit limit may be lower than what you could get from Synchrony Bank and Lowe’s. Transferring funds between multiple cards to finance big purchases can also be inconvenient compared to instant store credit.

Lowe’s Credit Card FAQs

Some of the most frequently asked questions about the Lowe’s credit card include:

Is the Lowe’s credit card easy to get?

With average credit, approval odds are generally good. Those with prime credit scores above 700 should qualify for a higher initial credit line.

Can the Lowe’s credit card be used anywhere?

No, Lowe’s credit cards can only be used at physical Lowe’s stores and on So it’s not recommended as your only credit card since it can’t be used broadly like Visa or Mastercard.

What is the credit limit on the Lowe’s card?

Credit limits range from $500 up to $25,000 or more based on your qualifications and approval by Synchrony Bank.

Does Lowe’s offer a business credit card?

Yes. Lowe’s provides business credit accounts specifically for contractors and construction industry pros under the Lowe’s Accounts Receivable program. Business credit lines up to $50,000 are available.

Can you make Lowe’s credit card payments online?

Yes. Once your account is set up, you can log in to online banking through Synchrony Bank or the MyLowe’s site to view your balance and make payments.

Is there a Lowe’s visa card?

No, Lowe’s credit cards are technically store charge cards, not affiliated directly with Visa. If approved, your card will be a Synchrony Bank-issued Lowe’s card that can only be used for Lowe’s and purchases.


The Lowe’s credit card can unlock some nice perks to save money on your next home improvement, appliance purchase, outdoor project or everyday essentials.

With no annual fee and opportunities for 5% off plus promotional financing, it’s worth considering applying if you frequently shop at Lowe’s.

Just be sure to make payments in full each month whenever possible.

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