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Lowes Credit Cards

Lowes Credit Cards

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Lowe’s offers three credit cards to its customers: the Lowe’s Advantage Card, Business Credit, and PreLoad Plus Mastercard. Lowes Credit Cards are an accurate way to save money while purchasing at Lowes.

Both cards provide customers unique benefits and rewards when they use their cards to purchase at Lowe’s stores or online.

Within seven days from the purchase at Lowe’s, participate in Lowe’s Survey hosted at to earn a chance to win a $500 check.

Lowes Credit cards and their benefits

Lowe’s Credit Cards & Benefits

Learn more about the Lowe’s cards and their benefits in the coming sections.

Lowes offers three main Credit Cards for their customers.

They are,

  1. Lowe’s Advantage Card
  2. Lowe’s Business Credit Card
  3. Lowe’s PreLoad Plus Mastercard

Let’s learn about each Credit Card and its customer benefits in depth.

Lowe’s Advantage Card

The Lowe’s Advantage Card is a consumer credit card. Consumers can use it to purchase at Lowe’s stores or online.

Some of the benefits of this card include the following:

Unique financing options: Cardholders can choose from various financing options for large purchases, including 6-month special financing on purchases of $299 or more.

5% off everyday purchases: Cardholders receive 5% off their eligible purchases every day when they use their Lowe’s, Advantage Card.

No annual fee: The card has no annual fee, meaning customers can enjoy the benefits without paying extra fees.

In addition to these benefits, cardholders can also access exclusive promotional offers and discounts throughout the year. For example, Lowe’s may offer special discounts on holiday decorations or home improvement products for cardholders during the holiday season.

Lowe’s Business Credit Card

The Lowe’s Business Credit Card is designed for small business owners who frequently purchase at Lowe’s.

These cardholders receive the benefits that a Lowe’s Advantage cardholder does and other business-specific benefits for small business owners. For example, cardholders can receive itemized billing statements, making tracking expenses and tax deductions easier.

They can also add employee cards to their account at no additional cost.

To apply for the Lowe’s Business Credit Card, you must provide information about your business, including your name, business type, tax ID number, and annual revenue.

Lowe’s PreLoad Plus Mastercard

A prepaid card alternative that enables small business owners to control their costs and cash flow is the Lowe’s PreLoad Plus Mastercard.

This card is accepted everywhere Mastercard is accepted, including in-person and online at Lowe’s.

In addition, this card offers several advantages, such as:

Easy funding: You can add money to your card with cash, checks, a debit card, or a credit card online or at any Lowe’s location.

No credit check: This is a prepaid card, so approval is granted without a credit check.

Employee cards: You can order additional cards and establish spending caps for each card for your staff.


Lowe’s Credit Cards provide customers unique benefits and rewards when they use their cards to purchase at Lowe’s stores or online.

These benefits include unique financing options, asset discounts, and exclusive promotional offers.

If you’re a frequent Lowe’s shopper, consider applying for one of these credit cards to take advantage of their benefits.

However, like any credit card, using them responsibly and paying your balance in full each month to avoid interest charges is essential.

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