Lowe’s is a home improvement retail company in the United States. This company is one of the largest hardware chains in the United States.
Hence, they offer different credit card options for their loyal and trustworthy customers.
Thus, Synchrony Bank is the company that issues the Lowe’s card, also known as the Lowe’s Advantage Card.
With your card, you can get 20% off purchases up to $100 as a new cardholder.
Thus, you can also get 5% off your daily credit card purchases. So, if you frequently shop at Lowe’s, this is a credit card you should consider signing up for.
In this article, we will discuss all you need to know about Lowe’s Cards.
Hence, we will show you how to log into your consumer and business card online accounts.
Also, we will discuss several means by which you can pay your credit card bills.
Still, we will also inform you how you can contact your credit card customer service.
That’s not all; we will also discuss other related topics about Lowe’s Cards.
So, make sure you read this article carefully to get all the information you need about Lowe’s Card.
Thus, let’s begin by telling you how to sign into your credit card account online.
Lowe’s Credit Card Login
To access your credit card account, visit your Consumer Card Login Page using a browser.
Once you’re in, enter the user ID and password linked to your credit card account.
Next, click on the ‘Secure Login’ button. Then, follow the instructions on your screen to sign into your credit card account.
Forgot user ID?
To recover your credit card user ID, click on the ‘Forgot User ID’ link.
Next, type in your credit card account number and your zip code.
Now, click on the ‘Continue’ button. Then, follow the guides on your screen to recover your credit card user ID.
Forgot Password
If you can access your online account, follow the steps below to change your account password:
First, click on the ‘Forgot Password’ link on the login page.
Then, enter your account username and zip code.
Next, click on the ‘Continue’ button. Then, follow the steps after that to change your account password.
Register
To set up your credit card online account, follow the steps below:
First, click on the ‘Register’ link on the login page to move to the next step.
Then, enter your consumer card’s account user ID and zip code.
Next, click on the ‘Continue’ button. Then, follow the steps on your screen to set up your credit card online account.
Lowe’s Business/Commercial Card Login
If you have a business or commercial card, follow these steps to access your online account:
First, visit the Business Card Login Page using your favorite browser.
Then, enter the user ID and password linked to your business card online account.
Next, click on the ‘Login’ button. Now, follow the steps on your device’s screen to access your online account.
Recover your user ID.
To recover your business card account user ID, click on the ‘Recover your User ID’ link.
Next, provide your credit card account number, your first and last name, and your email address.
Once you’ve done that, select the month and day of your mother’s birthday.
After that, click on the ‘Recover User ID’ button. Now, follow the instructions on your screen to recover your business card account user ID.
Reset your password.
To reset your business card account password, open the ‘Reset your Password’ link.
After that, enter your business card account number and your account user ID.
Now, click on the ‘Next’ button. Then, follow the steps after that to reset your business card account password.
Set up online access.
But if you’re yet to set up your business card online account, follow these steps below:
To open an online account, select the ‘Set up online access’ link on the login page.
Next, select if you have the authentication code or not.
Now, click on ‘Next’ and follow the steps after that to complete the registration process.
Make a Lowe’s Card Payment
Lowe’s offers its cardholders different payment options to pay their bills.
Hence, below are the means by which you can pay your Lowe’s card bills:
Online Payment
To pay your credit card bills, log into your credit card online account.
Next, enter your user ID and password, and select the login option.
Once you’ve done this, follow the guides on your screen to pay bills.
However, you can also visit the Lowes Login Page to pay your bills online.
Once you open the link, select your card and provide your account user ID.
After that, click on the ‘Sign In’ button. Then, follow the guides on your screen to pay your credit card bills.
Payment by phone
To pay for your Lowe’s Advantage Card or Visa Card, call customer service at 1-888-840-7651.
Hence, if you’re a business card holder, call customer care at 1-888-840-7651 to pay your bills.
But if you’re a business reward cardholder, call 1-866-537-1397 to pay your credit card bills.
Thus, if you’re a Lowe’s commercial account holder, call 1-866-232-7443 to pay your bills.
Payment by mail
If you have to mail your card payment, send your payment to the right addresses below:
For Lowe’s Advantage and Lowe’s Project Card bills, send mail to:
- Lowe’s
PO Box 530914
Atlanta, GA 30353-0914
Hence, for your Visa Rewards card payment, send payments to:
- Lowe’s
PO Box 960010
Orlando, FL 32896-0010
Thus, for Business Advantage card payment, send payment to:
- O. BOX 530970
Atlanta, GA 30353-0970
Also, for your Lowe’s Commercial Account payment, send payments to:
- O. BOX 530954
Atlanta, GA 30353-0954
Hence, for more information on credit card payments, visit the Payment Option Page.
Customer Service
Below are different means by which you can contact Lowe’s Customer Service:
By Phone
To contact Lowe’s customer care service, call 1-800-445-6937. (Available daily from 8:30 a.m. to 7 p.m.)
For the Pro Service Desk, call support daily from 8:30 a.m. to 7 p.m. at 1-844-569-4776.
Hence, if you’re a business card holder, you can contact customer service at 1-800-508-2520. (Available 24 hours, 7 days.)
But if you have the Advantage Card or Visa Card, call 1-800-444-1408 to contact support.
Thus, this service is available from Monday to Saturday from 6 a.m. to 1 a.m. On Sundays, you can access this service from 8 a.m. to midnight (ET).
As a commercial account holder, you can contact customer support at 1-866-232-7443.
This service is open to cardholders daily from 7 a.m. to 9 p.m. (ET).
However, Business Rewards cardholders can contact customer care at 1-866-537-1397. (Available 24 hours, 7 days.)
Social Media
You can connect with Lowe’s customer support via these social media pages:
For more information, visit Lowe’s Customer Service Page.
Apply for Card
- To apply for the Lowe’s Advantage Card, visit the Card Page.
- Now, to apply for this card, click on the ‘Apply Now’ button.
- Next, enter the last 4 digits of your SSN or ITIN and your mobile number.
- Once you’ve done that, click on ‘Continue’.
- Then, follow the on-screen guides to apply for the Lowe’s Advantage Card.
Also, you can check if you’re prequalified for this card before applying for it.
Hence, applying for a card you’re not qualified for can affect your credit score.
Thus, this process helps you check your approval odds without affecting your score.
Now, follow the steps below to see if you’re prequalified for this card:
First, select the ‘See if you prequalify’ button on the credit card page.
Next, enter the last 4 digits of your SSN or ITIN and your mobile number.
After that, click on the ‘Continue’ button. Then, follow the on-screen instructions to see if you’re prequalified for this card.
Card Credit Score
Your approval for the Lowe’s Advantage Card is based on your creditworthiness.
Hence, you’ll need a credit score of at least 640 to qualify for the Lowe’s Card.
However, for the Visa version of this credit card, you’ll need a higher credit score for approval.
Rewards
With this card, you can get 5% off approved purchases or orders using your Lowe’s Card.
Also, you can enjoy 6 months of special financing on purchases up to $299 or more on your card.
Thus, you can also enjoy a fixed APR of 9.99% for 84 on orders up to $2,000 or more on your card.
That’s not all; you’ll also get 20% off your purchases when you sign up for a new account.
Also, you’ll get 12 months of financing on appliances and installed heating. And also on ventilation and air conditioning.
However, this offer is for purchases up to $299 or more on your Lowe’s Card.
Thus, visit the Rewards Page for more information on credit card rewards.
Card Annual Fee
This card offers special bonuses and discounts to cardholders. However, the Lowe’s Advantage Card has no annual fee ($0).
Card Interest Rates
This card has a standard APR of 28.99% and charges a minimum interest charge of $2.00.
However, existing cardholders can access these details on their credit card agreement.
Card Balance Transfer
To transfer a balance from your card to another card, call customer service for your card.
Hence, the APR for a balance transfer is 28.99%, with a minimum interest charge of $2.00.
Card Fraud Protection
Lowe’s offers multi-factor authentication (MFA) security protection for cardholders.
This is an extra layer of security that protects cardholders’ online accounts from fraud.
Hence, to opt in for this extra security, enable MFA on your account through the Security tab.
Thus, you can find the Security tab on your Profile and Preferences page.
Lost or Stolen Card
To report a lost or stolen card, call customer service at the following:
Business Advantage Card
Call customer service at 1-800-508-2520. (Available 24 hours, 7 days.)
Advantage Card or Visa Card
Call 1-800-444-1408 to contact support. Available from Monday to Saturday from 6 a.m. to 1 a.m.
However, on Sundays, this service is available from 8 a.m. to midnight (ET).
Commercial Account
Call customer support at 1-866-232-7443. (Open to cardholders daily from 7 a.m. to 9 p.m. (ET).
Business Rewards Card
Call customer care at 1-866-537-1397. (Available 24 hours, 7 days.)
Hence, you can also call these numbers for a card replacement request.
Card Mobile App
View store inventory, track orders, and do more with the Lowe’s Mobile App.
Hence, you can also pay bills, contact customer service, and do more with this app.
Thus, visit the App Store (iOS) or Google Play (Android) to download Lowe’s mobile app.
For more information about this app, visit Lowe’s Mobile App Page.
Credit Card Alternatives
Below are some credit cards similar to Lowe’s:
Discover the benefits of the Discover It Cash Back card.
Summary
This article contains major facts about what you need to know about this credit card.
Hence, if you have any questions about Lowe’s card, make sure you drop them in the comment.
That being said, thank you for reading, and also check out this blog for other credit card posts.
Reference Links
Payment Option Page
Frequently Asked Questions (FAQs)
How much credit score do I need for a Lowe’s card?
Your card credit limit depends on your creditworthiness, debt, and income.
Hence, you’ll need a credit score of at least 640 to qualify for the Lowe’s Card.
However, for the Visa version of this credit card, you’ll need a higher credit score for approval.
Which bank has a Lowes credit card?
Lowe’s issues its credit card option through Synchrony Bank.
What is the minimum payment on a Lowe’s credit card?
The minimum interest charge on a Lowe’s card is $2.00. However, its standard APR is 28.99%.
How do I apply for a Lowe’s credit card?
To apply for the Lowe’s Advantage Card, visit the Card Page.
Now, to apply for this card, click on the ‘Apply Now’ button.
Next, enter the last 4 digits of your SSN or ITIN and your mobile number.
Once you’ve done that, click on ‘Continue’.
Then, follow the on-screen guides to apply for the Lowe’s Advantage Card.
Also, you can check if you’re prequalified for this card before applying for it.
Hence, applying for a card you’re not qualified for can affect your credit score.
Thus, this process helps you check your approval odds without affecting your score.
Now, follow the steps below to see if you’re prequalified for this card:
First, select the ‘See if you prequalify’ button on the credit card page.
Next, enter the last 4 digits of your SSN or ITIN and your mobile number.
After that, click on the ‘Continue’ button. Then, follow the on-screen instructions to see if you’re prequalified for this card.
