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Lowes Credit Card

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Lowes Credit Card

Lowe’s Advantage Card

Benefits that help make it easier to complete your next project so you can do it right for less. Get the Lowe’s Advantage Card and receive:

  • 5% off* every day or 6 months Special Financing** on qualified purchases
    Get Details
  • Or 84 fixed monthly payments with reduced APR on qualified purchases
    Get Details
  • Exclusive cardholder events
  • No annual fee0
  • Limited Time Only: New accounts get 20% off your purchase today◊ 

Learn More

Lowe’s Business Credit and PreLoad Card

Advantages that help make it easier for you and your business to get things done for less. All Lowe’s Business cardholders receive:

  • 5% off1,†† every day
  • Discounted delivery3
  • Convenient billing and invoicing options
  • Exclusive cardholder events

3Exclusions apply. See terms and conditions at Lowes.com/returns.

0For New Accounts: Standard APR is 26.99%. Minimum interest charge is $2.

1Subject to credit approval.

††The Lowe’s PreLoad Card is not a credit card. ID verification is needed. The discount will be applied as a statement credit on your primary account within 30 days of a settled transaction.

1,††Get 5% off your eligible purchase or order charged to your Lowe’s Business Advantage, Lowe’s Business Rewards, or Lowe’s Commercial Account or 5% statement credit on eligible purchase made with a Lowe’s PreLoad Card within 30 days of a settled transaction. Valid for purchases in US stores, on Lowes.com and LowesForPros.com. 5% discount will be applied after all other applicable discounts. Customer must pay applicable sales tax. Offer cannot be used in conjunction with or on: (i) other credit-related promotional offers unless otherwise stated; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to Contractor Packs™, Buy in Bulk, Quote Support Program (“QSP”), Special Value, New Lower Price, Was:Now, Military Discount, employee discount and Lowe’s Price Promise); (iii) associate-discretion price adjustments; (iv) any services (such as but not limited to rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber or Kichler products. Excludes Lowe’s Advantage Credit accounts, Lowe’s Visa® accounts and all Lowe’s Canada Credit products. We reserve the right to discontinue or alter the terms of this offer at any time.

Accounts Opened in Store: One-time 20% off discount is not automatic; you must ask cashier to apply discount (barcode) at time of in-store purchase. Accounts opened online, via Text-to-Apply or QR code: You will receive one-time 20% off coupon/promotional code, which may be used in store or online. Max discount is $100 with this offer. Limited time only. Subject to credit approval. To qualify for this offer, you must open and use a new Lowe’s Advantage Card and make a purchase 1/1/21 – 1/31/22. Applications submitted in store with an associate: If you do not receive a credit decision within 30 minutes of submitting your application but are later approved, a 20% coupon will be provided in the card package. Applications submitted online, via Text-to-Apply or QR code: If you do not receive a credit decision immediately after submitting your application but are later approved, a 20% coupon will be provided in the card package. The 20% discount will be applied after all other applicable discounts. Offer cannot be used in conjunction with or on: (i) 5% Off Every Day offer, Special Financing or any other credit-related offer; however, if the 5% Off Every Day discount offer is greater than $100, the greater discount will automatically be applied; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to Contractor Packs™, Buy in Bulk, Quote Support Program (“QSP”), Special Value, New Lower Price, Was:Now, Military Discount, employee discount and Lowe’s Price Promise); (iii) associate-discretion price adjustments; (iv) any services (such as but not limited to rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber or Kichler products. Customer must pay applicable sales tax. Excludes Lowe’s Business Credit accounts, Lowe’s Visa® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter these terms at any time.

Lowe’s Credit Center: Finance Your Next Project With Lowe’s Credit

When you need to complete a project in your home or business, the cost of materials can begin to add up quickly. That’s why Lowe’s offers financing options for both personal and business purchases. For personal use, choose the Lowe’s Advantage Credit Card. When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.

The advertised service is lease-to-own or a rental- or lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

© 2021 Lowe’s. Lowe’s and the Gable Mansard Design are registered trademarks of LF, LLC.

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