Details of pros

Generous discount on store purchases: A 5% discount on most store purchases is as good a rewards rate as you’re likely to find on a store credit card, and far better than what’s offered by some direct competitors. 

No waiting for discount: The 5% is taken off at checkout, so you’ll get to benefit from the discount immediately, rather than having to wait to use vouchers or reward certificates that can’t be redeemed until you’ve accumulated a certain amount. This makes the card worthwhile even if you only shop at Lowe’s occasionally.

Decent bonus for new cardholders: The welcome bonus on this card isn’t bad, considering some store cards offer nothing at all. Depending on the amount of your first purchase, you’ll get up to $100 off.

Details of cons

Can’t be used anywhere but Lowe’s: Since the Lowe’s Advantage Card is a private label card, you can’t use it at any other store. Some retail outlets offer co-branded credit cards that you can use everywhere—and that will earn you rewards everywhere. For instance, the Capital One Walmart Rewards Card offers at least 1% of every purchase back in points (and more when the purchases are at Walmart, or for travel or dining out.)

Discount exclusions: Lowe’s excludes a number of appliance and homewares brands from the 5% discount, including ICON, Bosch Benchmark, Fisher & Paykel, Monogram, SMEG, Lieberr, Weber and Kichler. You also can’t stack coupons or other Lowe’s promotions onto the 5% discount, limiting your overall savings. 

Steep APR: Store credit cards tend to have higher interest rates than cash-back or travel rewards cards, and the Lowe’s Advantage Card is no exception. If you carry a balance, you could get stuck with hefty finance charges. (On qualified purchases of $2,000 or more, you may be able to get a fixed APR of 7.99% for 84 months, but prolonging your borrowing for this long can be very expensive.)

Risky promotional financing: This card has a few special financing offers that give cardholders a break on interest payments for a certain number of months. But these are not traditional 0% APR promotions; they’re deferred interest promotions. If you don’t pay off their entire balance in the allotted time period, Lowe’s will charge you retroactive interest on that entire original balance.


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Lowe’s Advantage Card Review

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