MyLowe's Rewards™ Credit Card
This card is for homeowners who buy at Lowe's often. Each eligible purchase gets 5% off, or you can pick special financing instead, such as no interest if paid in full within 6 months on $299 or more. New accounts get 20% off the first eligible purchase, up to $100, and there is no annual fee. The caveat: the financing is deferred interest, so if the promo balance is not paid in full in time, interest at 31.99% is charged back to the purchase date, and the card works only at Lowe's.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% off at the register instead of points to track
- A choice between the 5% discount and special financing on each purchase
- Fixed-payment plan at 9.99% APR for projects of $2,000 or more
- 20% off the first purchase, up to $100
- Annual fee: $0
- Regular purchase APR: 31.99%
- Penalty APR: 36.99%
- Late payment fee: Up to $41
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You shop at Lowe's regularly and want 5% off without a points program.
- You have a big project and can clear a promo balance inside 6 or 12 months.
- You want a fixed 9.99% APR plan for a $2,000 or larger purchase.
- You should skip it if you might not pay off a deferred interest promo in time: interest is charged from the purchase date at 31.99%.
Score guess
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Drag the dial to your best guess. Then see which cards people around that score got approved for.
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Your guess: 700
Approved at 670 to 739
Approval results for this card
338 results: 272 approved, 66 denied. Approval rate 80% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 670 to 739 | TransUnion | - | FL | Oct 2019 |
| Approved | 740 to 799 | TransUnion | - | NC | Dec 2017 |
| Approved | 740 to 799 | TransUnion | - | NC | Dec 2017 |
See all 338 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
