Credit Cards » Lowe's Credit Cards

Lowe's Credit Cards

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.

Lowe`s Credit Card Alternatives

  • Earn up to 5% Cash Back!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
  • NO Annual Fee.
  • Earn 2 Points per $1 on Gas, Grocery, and utility purchases and 1 Point per $1 everywhere else.
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
  • 0% intro APR on balance for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for us paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up±. 1% cash back on all other purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
(18 months)
(6 months)
10.99% -
22.99% Variable±
  • Unlimited 1% gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% on gas purchases and get more value with every gallon.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
N/A*N/A*17.90% -
23.90% (Variable)
  • 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.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/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.

± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.