Lowe's Advantage Card

Prices, Promotions, styles, and availability may vary. Our local stores do not honor online pricing. Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Lowe's reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted.

Lowe's Advantage Card

Get 20 percent off when you open and use a new account. Then save 5 percent every day. Learn more.

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See if You’re Pre-Qualified

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Everyday Advantages

Make it easier to complete the home projects you've always dreamed about with these everyday offers from the Lowe's Advantage Card.

5 percent off. Exclusions apply. Learn more.

6 months special financing. $299 minimum purchase required. Learn more.

84 fixed monthly payments. Reduced A P R financing. $2,000 minimum purchase required. Learn more.

Limited-Time Offers

From Special Financing to discounts for new accounts, enjoy offers throughout the year.


For new accounts: get 20 percent off today when you open and use a new account. Get details.
Special Financing on purchases starting at $299. Cannot be combined with credit-related offers.

Lease to Own

Want a no-credit-needed purchase option?

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early, call 1-877-898-1970.

Get Everyday Advantages With the Lowe’s Advantage Card

Thinking about applying for the Lowe’s Advantage Card? If you want a card with rewards and advantages like 5% off* when you shop, or 6 months Special Financing** on purchases of $299 or more, or 84 fixed monthly payments with reduced APR financing on purchases of $2,000 or more, a Lowe’s Advantage Credit Card may be right for you.

Advantages Explained

With the Lowe’s Advantage Card, you’ll save each time you spend when you use the everyday discount of 5% off* your eligible purchase or order charged to your Lowe’s account. As far as Special Financing** goes, the Lowe’s Advantage Card offers the option to pay over a period of time for purchases of $299 or more. This is a great benefit when making a big investment like an appliance suite or new flooring. Plus, the card also offers the option of fixed monthly payments for purchases of $2,000 or more. This way, you can tackle your project with fixed payments at 7.99% APR financing.

Managing Your Lowe’s Credit Card

When it comes to managing the Lowe’s Advantage Card, it couldn’t be easier. Simply use your Lowe’s Advantage Credit Card login portal, which can be accessed from Lowes.com, to view and pay your bill securely. Online account management means you’ll never have to miss your Lowe’s Advantage Credit Card payment. Set up AutoPay so your payment is made automatically each month. If there’s a task you can’t do online, contact customer service (1-888-840-7651) for the help you need. Make payments online as well as by mail or at a local Lowe’s store. Accepted forms of payment include physical or electronic checks, money orders, or similar payment instruments from a US bank.

Ready to Apply? 

If a Lowe’s credit card is right for you, visit Lowe’s Credit Card Services to learn more about the Lowe’s Advantage Card as well as other credit card options that we offer. Begin the application process online or visit a Lowe’s home improvement center near you.

Progressive Leasing

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.