The Lowe’s Advantage Card gives you more when it comes to options and flexibility. You can either choose from 5% off every day Lowe’s purchases or 6 months of special financing. Note that if you pick special financing, there’s a $299 minimum purchase requirement attached. Equal monthly payments required as well. Seems like they added a new project financing option as well, for those of you with a home renovation in mind that’s $2,000 or more. Just ask for 36, 48, or 60 month’s reduced APR financing until paid in full.
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| Chase Secure BankingSM | $100 Cash | Review |
Alternative Credit Card Bonuses:
- Amex EveryDay® Credit Card
- Barclaycard® CashForward World MasterCard
- Gold Delta SkyMiles® Credit Card from American Express
Lowe’s Advantage Credit Card Summary:
- Apply Now
- Best Feature: 5% Off Everyday Purchases at Lowe’s
- Annual Fee: None
- Expiration Date: None
- Bonus Worth: YMMV
- Additional Advice: Keep in mind that 5% off is not valid on previous sales, purchase of services, gift cards, Dacor, ICON, Fisher & Paykel, Monogram, Smeg or Liebherr appliances, Weber products or Kichler
Lowe’s Advantage Credit Card Features:
- No annual fee
- Receive 5% off your purchase or order or spend $299 or more and choose special financing for 6 months. If your purchase or order is $299 or more, you will be asked to select the offer you would like.
- For the 6 months special financing option, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.
- 36 fixed monthly payments at 3.99% APR until paid in full, 60 fixed monthly payments at 5.99% APR until paid in full or 84 fixed monthly payments at 7.99% APR until paid in full
Pros:
- No Annual Fee
Cons:
- High Interest Standard APR.
Conclusion:
Whether you’re a frequent Lowe’s shopper, or you’re planning a home renovation project, the Lowe’s Advantage Card lets you complete your project with ease. They currently offer 3 promotional options which include 5% off on all your purchases, special financing for 6 months, or reduced APR up to 84 months. Personally, I’d pick the discount, however, if you’re in budgeting mode, then it’d make more since to go after the special financing or reduced APR offers.
Note that minimum monthly payments are required. This card runs off deferred interest meaning that if you do not pay back the necessary balance in time, you will be charged a full 29.99% APR which is a heaping fee to manage. If you shop often at Lowe’s, this card is worth considering. Otherwise, find out which card is right for you by checking out our complete list of Credit Card Promotions today!
