The home improvement retailer Lowes provides a retail store credit card called the Lowes card. In America, Lowes Credit Cards are widely accepted, and users can use them to make purchases. Both at Lowes retail locations and on, it can be used to make purchases. Know about Lowes Credit Card Login from today’s article.

Benefits including exclusive financing options, savings, and rewards for repeat customers could be provided with the Lowes credit card. The balance must be paid off in full each month to avoid interest charges on retail credit cards, though, as they frequently have higher interest rates than other credit card kinds.

About Lowes Credit Card

In Tier One Countries like the US, Australia, and Canada, among others, the Lowes Credit Card is a frequently utilized credit card. The large home improvement and appliance retail giant Lowes provides a store credit card called the Lowes Credit Card. The card can be used to make purchases both in-person and online at Lowes stores.

Consumers in Tier One countries frequently use credit cards to make purchases, and they particularly enjoy using the Lowes credit card since it provides a number of perks to cardholders, including 5% off eligible purchases, unique financing choices, and special deals and discounts.

Individuals who enjoy shopping and often make in-person or online purchases throughout the month or week prefer to pay with this Lowe’s Credit Card because cardholders may accumulate rewards points on all of their purchases, which can subsequently be used for savings on future purchases.

The card has no annual fee and a variable APR. You can apply for the card in person at a Lowes location or online. Owners of Lowe’s credit cards can use the Lowe’s credit card login to view all of the advantages, points, and offers. They can also view the credit card’s due date and amount due, as well as make an online Lowe’s credit card payment.

How to Apply for The Lowe’s Advantage Card

You can apply for the Lowe’s Advantage Credit Card online by visiting and clicking “Apply Now.” You’ll need to provide personal details, including your name, address, and Social Security number.

You can also apply for the Lowe’s card in-store if you prefer. Ask at a register or talk with customer service about applying for credit. Lowe’s will often run limited-time sign-up offers that are only valid to those who applied in-store, so we recommend inquiring on your next trip before applying online. Applicants with a credit score considered “fair” or above are typically approved within a few days.

Lowes Credit Card Login 

Any Lowes credit card holder can use the Lowes credit card login process to check their credit card related information, including the due date, due amount, rewards, and offers. They can also use the Lowes credit card login to make the required payment. You can use the detailed explanation of the Lowes Credit Card Login Procedure provided below to complete your Lowes Business Credit Card Login.

  1. Credit card holders must first go to the Lowes Credit Card official website.
  2. You have now arrived at the website’s home page, where you must locate the Login Form.
  3. You must enter your User ID in the Login Form.
  4. You must now type in your password.
  5. It is necessary to click the Secure Login button after entering the User ID and Password.
  6. You have now been taken to your personal Lowes Credit Card dashboard.

How to Get Lowes Credit Card?

You can apply for the Lowe’s Advantage Credit Card in any Lowe’s retail location if you’re thinking about doing so. After a short period of time, the credit decision is made. Online applications are also an option. If you are prequalified, you can apply right away and get a response much like when you apply for a job. The credit rating won’t be affected by prequalification.

The cardholder can make any purchase at Lowe’s once the card has been approved and activated, subject to the card’s credit limit. The client’s creditworthiness determines the cap. No other merchants or ATMs accept the Lowe’s card.

Things to Know Before You Apply

Lowe’s, like many stores, offers its own branded credit card. Similar to how other store cards work, the Lowe’s card can only be used in Lowe’s stores, and the discounts and perks you get are available only at the popular home-improvement store.

You’ll need to think carefully about whether the Lowe’s card is right for you — but many DIYers do find the Lowe’s credit card is worth using. In this Lowe’s Advantage Card review, here are seven things you need to know to make the decision for yourself.


5% Discount at Check-out

When you make most purchases with your Lowe’s credit card, you’ll get an automatic 5% discount at the register. This is one of the best perks of this card. Unlike many other store credit cards, which only send you periodic coupons or provide rewards after spending, Lowe’s gives this discount upfront. This means you never need to wait for your card to provide savings.

However, the 5% discount only applies to eligible purchases and does not apply to gift cards. It also can’t be used with any other coupons or discounts, including the Lowe’s military or employee discount or the Lowe’s low-price guarantee.

It can’t be used with Contractor Packs, either, and you won’t get a discount on fees, taxes, extended protections, replacement plans, assembly charges, shipping, or delivery. Certain brands are excluded from the discount as well, including Kichler and Weber.

Deferred Financing Offers

On purchases of $299 or more, you have the option to choose six months of 0% APR financing. Lowe’s also periodically runs special promotions where you can get 0% financing for longer. For example, you might be able to get 12 months at 0% APR on appliances or installed heating, ventilation, or air conditioners at certain times of the year.

The 0% rate applies only if you pay off the full balance of the purchase within the promotional period. Otherwise, you’ll owe interest back to the purchase date, which can become very expensive.

Special Project Financing

If you make a purchase of $2,000 or more, you have the option to choose Fixed Pay Financing. This reduces your APR and allows you to pay off your project with fixed payments over a set period of time.

As of September 2022, you have one option for project financing: a reduced APR of 7.99% if you opt for 84 fixed monthly payments.

You’ll need to request this special financing at the time you make the purchase. Regular account terms will continue to apply to other purchases you make with your card, and your fixed monthly payment required for the special project financing may be higher than your normal monthly minimum payment would be.

Special Savings 

When you open a Lowe’s Advantage Card, you receive a 20% discount of up to $100. If you opened your account in store, you have to ask the cashier to apply the discount. If you apply online, by using text-to-apply, or with a QR code, you will receive a coupon code that you can use in store or online.

You must use the 20% off coupon between February 1, 2022, and January 31, 2023. Your savings cannot be combined with the 5% Off Every Day offer, Special Financing, other special discounts, or Weber or Kichler products.

High Standard APR

There are also some big negatives to be aware of when considering whether to apply for a Lowe’s credit card, and the standard APR of 26.99% is one of them. This is a pretty high interest rate, so you could end up owing a lot of money if you don’t pay off your balance at the end of a billing cycle or before your 0% promotional rate expires.

The interest you’d pay would be significantly greater than the 5% discount you’d receive for using your card, which means you’d be incurring a high cost for using this card. That being said, the Lowe’s Advantage card APR is comparable to other store credit cards.

Deferred Interest on Financing Options Can Result in Owing a Lot

Deferred interest offers are dangerous because you end up owing back interest if you fail to pay off the full amount you owe on the card by the end of the declared time period.

For example, if you borrow $1,500 on your Lowe’s card, qualify for 0% interest for six months, and don’t pay the loan off in full, you’ll owe back interest at 26.99% on the $1,500 dating back to the purchase date. This means you’d owe interest on $1,500 at 26.99% dating back six months, which would be around $200 in back-interest costs.

Project Financing Can be a Risky Option

Project financing can also pose a similar risk of not being the best financial option, considering your interest rate could go back up to the standard APR if you miss a fixed monthly payment.

Plus, even the low fixed interest rates can make your project more expensive than if you had paid cash — although the special rate may still be better than what you’d pay with personal loans or home improvement loans.

Customer Service – Help & Pay By Phone

  • Lowe’s consumer credit cards: 1-800-444-1408
  • Lowe’s Business Rewards American Express: 1-866-537-1397
  • Lowe’s Business Advantage Card: 1-888-840-7651
  • Lowe’s Commercial Account: 1-866-232-7443

Credit Card Payment Address

Lowe’s Consumer Credit Cards:
Lowe’s Credit Card
P.O. Box 669807
Dallas, TX 75266-0783

Lowe’s Business Rewards American Express:
Lowe’s / American Express
P.O. Box 650448
Dallas, TX 75265-0448

Other Lowe’s Business Credit Cards:
Lowe’s Business Advantage Card
P.O. Box 530970
Atlanta, GA 30353-0970

Lowe’s Commercial Account
P.O. Box 530954
Atlanta, GA 30353-0954


When your username and password are getting rejected, logging into your Lowes credit card account can seem difficult. Do not worry; Lowe’s makes it easy for you to access your account by offering quick and easy options to restore your username and password if necessary.

Choose the register option for first-time users, then establish an account with the card number and the card’s registered zip code. You’ll be able to access your account statements, pay your bills, and much more after it’s finished!



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