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Lowe’s Credit Card Payment – Phone Number – Customer Service – apply

Advantage Credit Card from Lowe’s is the best for a consumer who is planning to start costly home renovations or projects. On the other hand, Lowe’s Advantage Credit Card is always a premium choice for customers who shop frequently in Lowe’s Stores nationwide. The reason has been that the card offers high savings and financing features to cardholders. This article will guide you on how to make your Lowe’s Credit Card Payment, Phone Number – Customer Service – apply, and more.Lowe's Credit Card Payment

This post is written to help both new and existing cardholders with Lowe’s Advantage Credit Card features and benefits, login and sign up, bill payment, and online account management. As well as how to apply for Lowe’s Credit Card online, in-person at nearby Lowe’s stores, via mail and over the phone. Keep reading.

Lowe’s Advantage Credit Card – Who Should Apply?

First, I would like to bring to your notice that Lowe’s Advantage Credit Card can only be used for purchases at Lowe’s stores. That is to say, it favors only Lowe’s Loyalists and customers who spend on furniture and other home décor and accessories.

Be it as it may if you so desire a credit card that meets your everyday spending needs. I did suggest you check other lines of credit cards.

However, if you have an upcoming home renovation and building projects, I did advise you to sign up for Lowe’s Advantage credit card. As such, the card is the nearest best choice for costly home renovation. Added with the fact that it comes with no annual fee. And it’s best recommended for businessmen and contractors who often engage in costly projects. More so, DIY funding.

Lowe’s Advantage Credit Card Review – Is it worth it?

Let’s face it, Christmas is by the corner. And it’s time people invest heavily in home décor, accessories, and other home renovation projects.  In other words, if you happen to be among people who often buy several expensive home repairs. I did suggest you make Lowe’s your choicest store.

Of a truth, it’s hard to top the Lowe’s Advantage Credit Card’s 5% discount. In other words, some of the top cash-back rewards cards offer merely a 2% rewards rate. But Lowe’s 5% rewards even extend down to non-Lowe’s purchases.

Although Lowe’s Advantage Credit Card can only be used at Lowe’s store nationwide. But I can actually say that it’s no annual fee compensates for its limited use.

I did like to also let you know that if you happen to be contractors or small-business owners. And you are looking for a credit card that can favor your high spending needs and projects.

Thus, Lowe’s has a suite of three business credit cards to choose from. Although the benefits differ, they’re all in some way better than the consumer version of the card for contractors and small-business owners.

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What do you mean? Let’s take, for instance, the Lowe’s Business Account card offers reduced job-site delivery fees.

In other words, you can save thousands of dollars over time with the job site fees reduced. Also, business credit cards tend to carry a higher credit limit when compared to the credit limit for a consumer credit card.

Drawbacks of Lowe’s Advantage Credit Card

To start with, I have stated above the type of spenders that get heavily rewarded using Lowe’s card. That said, there is one major drawback – the Lowe’s Advantage Credit Cardholders can’t combine its benefits.

In other words, you’ll have to choose between applying the 5% discount or one of the card’s financing features.

Although, there are still other credit cards that offer the same 5% discount that you can use for purchases outside Lowe’s stores. However, it is better with Lowe’s branded store card. Especially if you have a low credit score. As qualifying for the card won’t be that much a bit deal.

Card Benefits and Features

Let’s talk about what is in store for cardholders. I will start by saying, as a cardholder, every single moment, you use your Lowe’s Advantage Credit Card for a Lowe’s store purchase. You get rewarded with a 5% discount.

Although, the discount excludes a few products and services, such as extended protection plans and delivery charges. Furthermore, cardholders with coupons have to decide whether to use the 5% discount or the coupon’s discount. The choice is in your hands.

That said, the Lowes Advantage Card is a no annual fee credit card that can only be used to make purchases at and Lowe’s retail stores. Furthermore, you can choose between receiving a 5% discount on purchases or a 6 month, 0% APR on purchases of $299 or more.

On the other hand, project financing is available on purchases of $2,000 or more. But all financing options are subject to deferred interest. But after the promotional period’s end, a standard APR of 26.99% applies.

Be it as it may, the card offers a 20% discount on your first Lowe’s purchase, up to $100 off. Although, the offer expires Jan 31, 2021.

How Does Lowe’s Advantage Credit Card Compare to Other Cards and Products?

See, it’s very true, all credit cards are not for every spending needs. More so, each credit card is designed for specific customers. And the Lowe’s Advantage Credit Card is no different. Earlier on, I mentioned that the card makes sense if you’re looking to make large home-related purchases.

Be it as it may, we are talking about a handsome reward for your spending here. As such, it makes sense to compare Lowe’s advantage card with other credit cards that cover a similar line of purchases. But offer enticing rewards programs.

Lowe’s Advantage Credit Card vs The Home Depot Consumer Credit Card

I will start by saying that Lowe’s Advantage Credit is good for people who want discounts on hardware purchases. That is to say that it’s a better deal than the Home Depot Consumer Credit Card.

Why? That’s because The Home Depot Consumer Credit Card lacks one critical benefit: a discount feature. In other words, while The Home Depot Consumer Credit Card allows cardholders to save $100 on a purchase of $1,000 or more.

But the shortcoming is that the offer is only valid for new accounts and is a one-time deal. Otherwise, The Home Depot Consumer Credit Card offers similar features. Take, for example, both cards offer interest-free financing for six months on purchases of at least $299, and both come with no annual fee.

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Bottom line

I would suggest you go for The Home Depot Consumer Credit Card if you frequent Home Depot stores more than as you frequent Lowe’s. More so, you get to enjoy one-year trouble-free returns. (one-year guarantee on any item bought with The Home Depot Consumer Credit Card)

Lowe’s Advantage Credit Card vs Citi® Double Cash Card – 18 months BT offer

To begin with, the Citi® Double Cash Card – 18 months BT offer makes for a great everyday card. In that, cardholders can earn 2% on every purchase with unlimited 1% cashback when you buy, plus an additional 1% as you pay for those purchases.

On the other hand, Lowe’s Advantage Credit Card is the best choice when it comes to purchases at Lowe’s due to its 5% discount. But the Citi® Double Cash Card – 18 months BT offer offers a better rewards rate everywhere else.

Bottom line

In sum, the Citi® Double Cash Card – 18 months BT offer is one of the best cash-back cards on the market. That is to say, if you’re going to apply for just one new credit card, I will suggest the Citi® Double Cash Card – 18 months BT offer.

Lowe’s Advantage Credit Card vs Chase Freedom Unlimited®

Let’s quickly run through why Chase Freedom Unlimited is competing with Lowe’s Advantage. First, cardholders who don’t like Lowe’s financing features should consider the Chase Freedom Unlimited®.

Because the Chase Freedom Unlimited® offers cardholders a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a 14.99 – 23.74% Variable APR. Furthermore, cardholders who need to make large one-time purchases should opt for the Chase Freedom Unlimited® given its low intro APR, but those who will make large ongoing purchases should consider applying for the Lowe’s Advantage Credit Card.

Lowes Advantage Card vs. American Express Cash Magnet® Card

Annual fee: Neither card charges an annual fee.

Rewards: The Lowes Advantage Card doesn’t offer a rewards program. You’ll earn 1.5% cashback on every purchase with the American Express Cash Magnet Card.

Welcome offer: Lowes Advantage Cardholders can get a 20% discount on your first Lowe’s purchase, up to $100 off (offer expires Jan 31, 2021). The American Express Cash Magnet Card offers a $150 statement credit after you make $1,000 in purchases within three months of opening an account.

Benefits: With the Lowes Advantage Card, cardholders can choose to either receive a 5% discount on Lowe’s purchases or a 6 month, 0% APR on Lowe’s purchases of $299 or more. After the introductory period, the card has an APR of 26.99% variable.

The American Express Cash Magnet Card offers various travel and protection benefits, including car rental loss and damage insurance and purchase protection.

Lowe’s synchrony credit login – Lowe’s Credit Card Login (Lowe’s business credit card login)

The Lowe’s Credit Card Login page can be accessed through the synchrony bank login site at Hence, on the site, key in your username and password and click on the sign-in button to access and manage your Lowe’s credit card online. Next, access Lowe’s customer care phone number for a customer service representative, and pay bills online, and more.

More so, in case you forgot your user ID or password, you can use the “I forgot my ID or password” link and follow the stated instruction to recover your user ID or reset your sign in password.

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Lowe’s Credit Card Payment – How to Pay Bills

To pay your credit bill online, you will need to visit the official site and make use of the Bill Payment option. But you will first need to login in other to access your account online. Funny enough for you to be able to sign in you must have registered for online account management access.

  1. The first thing is to open your browser and visit OR
  2. On the homepage, locate the “Manage my account” tab and click on it.
  3. Next, you will need your account username and password to login to your account, so to do that; find and tap on the sign-in button and enter your login details and tap the log-in button.
  4. On the user account dashboard, tap on the Pay bill online tab
  5. Click and chose how you want your bill paid and the amount.
  6. Finally, carefully follow the bill pay process to pay your bills.

Register for Online Access

You can sign up for online access and do many of the account management tasks that you can’t do on a normal if you don’t enroll in the online account management. To do that visit and enter your Card number and Zipcode. And follow the rest of the guide.

Apply for Lowe’s Advantage Credit Card – How to Apply

Furthermore, applying for Lowe’s Advantage Credit card is without stress. In fact, it’s as easy as ABC. However, there are steps to the online application process. But trust me, it’s the easiest step you have ever seen.

The first step, go to

In the second step, click on the “Apply” tab.

In the third step, fill in the information required (first name, middle initial, last name, suffix, SSN, date of birth, and yearly income)

Fourth step, key in your zip code, street number, apartment, city, state.

The fifth step, at this point, make sure you supply a valid email and provide your mobile phone.

In the sixth step, enter an authorized buyer into your account. That’s if you have one or dependents to add.

In the seventh step, if someone referred you, key in the referral code.

Finally, scroll down and tap on the ‘continue ’button and follow the rest of the application process to complete the Lowe’s credit card application.

Is Lowe’s credit card instant approval?

To start with, upon credit review, some applicants will be approved instantly (this isn’t the only instant approval credit card). However, some applications may need further review resulting in a 7-10 day waiting period.

Lowe’s credit card phone number

Lowe’s Credit Card

24/7 Support


Lowe’s Consumer Credit Card


Lowe’s Business Account


Lowe’s Accounts Receivable


Lowe’s Business Rewards


In the End

The best of it all is that the post was really helpful. As such, don’t forget to share and comment using the box below. Thanks for reading.


  • Christian Ehiedu

    I write for Educational, Financial, technology, and social media content producers. I am deep into doing credible research that will benefit you the reader. You can contact me on Tumblr, Chris Adam Facebook, Shopfortool Pinterest Account. I am a Technician and a woodworker. I have lots of years of experience in Technical work. I did some per time work at an electrical store. Having gathered lots of experience in the use of various tools link Mechanic Tools, Woodworking Tools, Power Tools, and Plumbing tools, I decided to put up this blog to help advise intending buyers or new biz on the right tools to buy on the market. My social Handle:

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