How to Sign In Lowe's Credit Card Account? Benefits and Fees

How to Sign In Lowe's Credit Card Account?

To sign in to your Lowe’s credit card account, you need to know which type of card you have: the Lowe’s Advantage Card, the Lowe’s Visa Rewards, the Lowe’s Business Advantage, the Lowe’s Commercial Account, or the Lowe’s Business Rewards. Each card has a different website where you can access your account and make payments. Here are the steps to sign in for Lowe's Credit card:

• For the Lowe’s Credit Card, you can visit the Credit Services at Lowe’s: Consumer, Business, Credit Cards website
• Access your Lowe's credit account by choosing from the following card options:

• Lowe's Advantage Card
• Lowe's Visa Rewards
• Lowe's Business Advantage
• Lowe's Commercial Account
• Lowe's Business Reward

• You will need to enter your user ID and password to access your account. 
• You can also check the “Remember User ID” box if you want to save your login details. 
• If you forgot your user ID or password, you can click on the links below the login fields to reset them. 
• If you want to register for online access, you can click on the “I want to Register” link below the login button.

How to Make a Payment on My Lowe's Credit Card?

Paying your Lowe's Store Card is simple and convenient. You can choose from various options, including online payments, over the phone, in-store, or by mail. Just pick the method that suits you best to keep your payments hassle-free.

Online

• Log in to your account or pay as a guest on the Lowe's credit card website. You can also set up AutoPay for automatic monthly payments.

Over the Phone

• Call (800) 444-1408 and follow the prompts to make a payment.

In-Store

• Visit any Lowe's store location and make a payment at the customer service desk.

Via Mail

• Mail a check to Lowe's at P.O. Box 530914, Atlanta, GA 30353-0914. Make sure to send it well in advance of the due date.

Lowe's Credit Card Customer Service

If you have questions about your Lowe's credit card, they're here to help! Lowe's customer service provides assistance 24/7, offering support for different types of credit cards. Just call the relevant number during their operating hours, and they'll help you through any concerns or inquiries you may have.

What is the Credit Score Required for Obtaining a Lowe's for a Credit Card?

The credit score requirement of 640 is a baseline for Lowe's Store Card approval, but meeting this criterion doesn't guarantee approval. Other factors are considered, such as your income—ensuring you have the means to make timely payments—and your existing debt load, which affects your overall financial health.

The number of open accounts reflects your credit management history, and recent credit inquiries show how actively you've been seeking credit. Employment status and housing status provide insights into your stability, reinforcing your ability to manage credit responsibly. Collectively, these factors contribute to Lowe's decision-making process when evaluating your application.

What Benefits are Available With the Lowe's Credit Card?

If you have a Lowe's credit card, you can enjoy various benefits designed to make your projects more affordable and convenient. With the Lowe's Advantage Card, get 5% off every day or take advantage of special financing options. For Lowe's Business cardholders, enjoy discounts, convenient billing options, and exclusive events to make your business tasks easier and more cost-effective.

Lowe’s Advantage Card

• 5% off every day or 6 months Special Financing
• 84 fixed monthly payments with reduced APR
• Exclusive cardholder events
• No annual fee
• New accounts get 20% off today.

Other Cards of Lowe’s

• 5% off every day
• Discounted delivery
• Convenient billing and invoicing options
• Exclusive cardholder events

What are the Pros and Cons of the Lowe's Credit Card?

Pros of the Lowe's Credit Card

• The Lowe's Credit Card doesn't charge an annual fee, reducing the overall cost of ownership.
• Cardholders enjoy a high rewards rate, particularly beneficial for frequent Lowe's shoppers.
• The card provides a bonus offer for new cardholders, adding extra value upon account opening.

Cons of the Lowe's Credit Card

• Rewards earned with the Lowe's Credit Card are limited to Lowe's purchases, restricting their utility.
• Unlike some other credit cards, the Lowe's Credit Card does not offer a 0% introductory APR, potentially making it less favorable for financing large purchases.

Lowe's Credit Card Fees and Rates

The Lowe's Advantage Card comes with no annual fee, meaning you won't be charged a yearly cost for holding the card. However, it has a regular Annual Percentage Rate (APR) of 28.99%, which represents the interest you'll pay on balances if not paid in full each month. There's no introductory APR, indicating there are no special, lower interest rates for a specified initial period.