Synchrony · Visa · personal · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Lowe's (Home improvement)
5% off eligible purchases every day at Lowe's (a discount at checkout, not cash back). Excludes services such as installation and gift cards; cannot be combined with other discounts or with the financing offers
|
5% | 5% |
| Everything else
Closed-loop store card: not accepted outside Lowe's
|
0% | 0% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- Store card: usable only at Lowe's — Closed-loop Synchrony store card; no card network, so foreign transaction fees do not apply.
- Instead of the 5%: 6-month deferred-interest financing on $299+, or fixed monthly payments up to 84 months at a reduced APR on $2,000+ — Deferred interest: interest is charged from the purchase date if not paid in full within 6 months.
- No annual fee
Protections
Notes
Formerly the Lowe's Advantage Card; now marketed as the MyLowe's Rewards Credit Card (Synchrony), tied to the free MyLowe's Rewards loyalty program. Closed-loop store card (no Visa/Mastercard network; the 'network' field is a schema placeholder). Per purchase you choose either 5% off or a financing plan, not both. Web-verified 2026-09-08 against https://www.cnbc.com/select/lowes-credit-card-review/ (updated 2026-08-20: $0 annual fee, 5% off eligible purchases, exclusions, 6-month/$299 and 84-month/$2,000 financing, 20% off up to $100 welcome offer) and https://www.cnbc.com/select/best-store-credit-cards/ (updated 2026-09-01). Lowe's own credit pages (lowes.com/l/Credit/...) and lowes.syf.com would not render for automated fetching, so this is review-site verification only.