Credit Cards » Lowe's

Lowe's Credit Cards Alternatives

For the home improvement junkie and contractors of all sizes, Lowes credit cards could be just what you've been missing. They offer a variety of credit cards including ones that offer rewards. Cards are issued by GE Capital Retail Bank, American Express and VISA. With five different cards to pick from, finding the right fit should be easier than hammering a nail. It's time to plan that next project. Financing it is the easy part.

Alternative Credit Cards for Lowe`s Shopping and more

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/aSee Terms$0
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You´ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you´re Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See Terms

Start Improving with Lowe's Credit

Though it may seem like a lot of choices, the variety in Lowe's Visa credit cards offers something for everyone. There are five cards one can apply for. Two are for consumers including the Lowe's Consumer Credit Card and Lowe's Project Card. There are three Lowe's Business credit cards including Lowe's Business Rewards Card, Lowe's Accounts Receivable Card, and Lowe's Business Account Card.

With the exception of the Lowe's Business Rewards Card, all credit lines are offered through GE Capital Retail Bank, the financial unit of General Electric. GE Capital has over a decade of service in commercial lending and leasing, as well as a range of other financial services. General Electric is one of the most profitable companies in the United States, with over 100 years of successful business.

There are 1,750 Lowe's Home Improvement stores across the U.S., Canada, and Mexico, making them the second largest home improvement retailer in the world. With current further international plans in the works, it's safe to say you may want to take your Lowe's Credit Card wherever you go.

The majority of the card offerings are simply direct credit lines through GE Capital only usable at Lowe's. They carry no annual fee and offer flexible payment options.

For example, the Lowe's Accounts Receivable card is a charge card that requires you to pay in full each month. The Lowe's Business Account card will allow you to carry a balance and pay over time. Both of these cards come with periodic offers from Lowe's such as discounts or special promotions.

Lowe's Consumer Credit Cards have similar terms and offer two card designs: a standard blue card, or a design representing Lowe's racing team, Team #48. The Lowe's Project Card is the other one for consumer, but this one is for projects that you want to finance. It offers 6 months of 0% interest on purchases, but you need to make an initial purchase of $1,000 to qualify.

The Lowe's Business Rewards Card from American Express can be used outside of Lowe's and will also build rewards points towards Lowe's purchases. You'll also receive the promotional offers and discounts, and you can pay over time.

With all of these credit card account offerings from Lowe's, finding one that fits your needs is easy. The only difficult decision you'll face will be whether you want to start updating the kitchen or the bathroom.