THE CARDTUNED DATABASE
MyLowe's Rewards Credit Card
Issuer: Synchrony
5% off eligible Lowe’s purchases when using the card, or select special-financing options instead
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Six-month deferred interest on $299+; 84 fixed monthly payments at 9.99% APR on $2,000+ qualifying purchases
- Regular APR
- 31.99% purchase APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20% off the first eligible purchase when opening and using a new account, up to a $100 maximum discount
- Spending requirement
- First eligible purchase
- Time window
- First purchase with new account
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | off eligible Lowe’s purchases when using the card, or select special-financing options instead |
Additional benefits
• Six-month special financing on $299+ qualifying purchases
• 84 fixed monthly payments at 9.99% APR on $2,000+
Restrictions to know
The first-purchase offer is for new accounts and is capped at $100. The 5% discount and special financing generally cannot be combined. Six-month deferred interest requires $299+; 84-month financing requires $2,000+. Product and service exclusions apply.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff