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Lowe's Advantage Credit Card: BiggerPockets Review
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Quick facts
- No annual fee.
- Cardmembers get a five percent discount on all eligible purchases at Lowe's.
- The store discount is automatic, so you won’t have to wait for earned points to accrue over time to see benefits.
- The signup bonus—currently a 20 percent coupon off your first purchase—is also instant.
- You can also choose to opt for special financing or installment financing if it better serves your project’s needs.
The stats
- APR: Standard APR is 26.99 percent. Special financing qualifies for no interest if paid within six months. The 84 fixed monthly payment option qualifies for 7.99 percent APR, and applies to purchases of $2,000 or more.
- Annual fee: $0
- Balance transfer fee: N/A
- Foreign transaction fee: $0
The rewards
Pros and cons
PROS
- This card has no annual fee.
- Users get five percent off eligible purchases, or can choose special financing or installment financing to customize their benefits.
- The welcome offer, currently 20 percent off, provides a savings up to $100 on a one-time purchase.
- Ideal for users who make regular home improvement purchases.
CONS
- This store card can only be used for retail and online Lowe’s purchases.
- You can’t combine the card discount with others, such as military discounts.
- There’s no introductory zero percent APR on purchases under the minimum threshold of $299.