MyLowe’s Rewards Credit Card

CREDIT FINANCING PROMOTION DETAILS: Offers subject to credit approval. Special Financing & discount offers can’t be combined. If your purchase or order is over the minimum purchase required, you will be asked to select the offer you would like. We reserve the right to discontinue or alter the terms of these offers any time.

*5% Off Your MyLowe’s Rewards Credit Card Purchase: Get 5% off your eligible purchase or order charged to your MyLowe’s Rewards Credit Card. Valid for purchases in US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Customer must pay applicable sales tax. Offer can’t be used in conjunction with or on: (i) other credit-related promotional offers; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Was: Now, Military Discount, Employee Discount, and Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler or Miele products. We reserve the right to discontinue or alter the terms of these offers any time. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s^® Canada Credit Accounts.

**No Interest if Paid in Full within 6 Months. Offer applies to purchase or order of $299 or more on your MyLowe’s Rewards Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required. No interest will be assessed on the promotional purchase if you pay the promotional purchase in full within 6 months from the purchase date. If you do not, interest will be assessed on the promotional purchase from the purchase date. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payment may or may not pay off purchase by end of promotional period. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases.

***For MyLowe’s Rewards Credit Card purchases of $2,000 or more, ask for 36 Fixed Monthly Payments at 7.99% APR; 60 Fixed Monthly Payments at 8.99% APR; or 84 Fixed Monthly Payments at 9.99% APR. The 36 and 60 month offers apply to installed sales only. Offers are not automatic and must be selected at time of purchase. Interest will be charged on the promo purchase from the purchase date at a reduced APR until promo is paid in full, and fixed monthly payments are required. These payments are equal to 3.1332% of initial total promo purchase amount for 36 months; 2.0754% of initial total promo purchase amount for 60 months; or 1.6596% of initial total promo purchase amount for 84 months, rounded up to the next whole dollar and will not be adjusted for merchandise returns which may result in paying the promo purchase in less than 36, 60 or 84 months. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases.

*,**,***For New MyLowe’s Rewards Credit Card Accounts: As of 3/7/24, Purchase APR is 31.99% and Penalty APR is 36.99%. Minimum interest charge is $2.00. Existing cardholders should see their credit card agreement for their applicable terms.

Only 1 credit related promotional offer can be applied to any one item on a sales receipt. The “purchase date” for an item is the date it is charged to your account. Your account will be charged immediately for an item, unless otherwise provided on your order sales receipt. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s^® Canada Credit Accounts.

CREDIT FINANCING PROMOTION DETAILS: Offers subject to credit approval. Special Financing & discount offers can’t be combined. If your purchase or order is over the minimum purchase required, you will be asked to select the offer you would like. We reserve the right to discontinue or alter the terms of these offers any time. 

^•Special Offer For Appliances, Installed Flooring and Installed Heating, Ventilation and Air Conditioning: Select No Interest if Paid in Full within 12 Months. Offer applies to Appliances, Installed Flooring and Installed Heating, Ventilation and Air Conditioning purchase or order of $299 or more made on your MyLowe’s Rewards Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required. No interest will be assessed on the promotional purchase if you pay the promotional purchase in full within 12 months from the purchase date. If you don’t, interest will be assessed on the promotional purchase from the purchase date. Depending on purchase amount, promotion length & payment allocation, the required minimum monthly payment may or may not pay off purchase by end of promotional period. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases &, after promotion ends, to promotional purchases.

^††For Installed Heating, Ventilation and Air Conditioning: 120 Fixed Monthly Payments at 9.99% APR. Applies to purchase or order of $2,500 or more on your MyLowe’s Rewards Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.3210% of initial total promo purchase amount, rounded up to the next whole dollar and will not be adjusted for merchandise returns which may result in paying the promo purchase in less than 120 months. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases.

^For MyLowe’s Rewards Credit Card install purchases of $2,500 or more, ask for 120 Fixed Monthly Payments at 9.99% APR. Interest will be assessed on promo purchase at a reduced 9.99% APR until promo is paid in full, and fixed monthly payments are required. Each fixed monthly payment will be approximately 1.3210% of the initial promo purchase amount, rounded up to the next whole dollar and will not be adjusted for merchandise returns, which may result in paying the promo purchase in less than 120 months. The fixed monthly payment calculated may be higher than the minimum monthly payment that would be required if the purchase was a non-promotional purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promotional purchases.

^{•,††,^} For New MyLowe’s Rewards Credit Card Accounts: As of 3/7/24, Purchase APR is 31.99% and Penalty APR is 36.99%. Minimum interest charge is $2.00. Existing cardholders should see their credit card agreement for their applicable terms.

Only 1 credit related promotional offer can be applied to any one item on a sales receipt. The “purchase date” for an item is the date it is charged to your account. Your account will be charged immediately for an item, unless otherwise provided on your order sales receipt. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa® Accounts and all Lowe’s^® Canada Credit Accounts.

CREDIT FINANCING PROMOTION DETAILS: Offers subject to credit approval. Special Financing & discount offers can’t be combined. If your purchase or order is over the minimum purchase required, you will be asked to select the offer you would like. We reserve the right to discontinue or alter the terms of these offers any time.

^†20% Off When You Open and Use a New Account: Subject to credit approval. To qualify for this offer, you must open and use a new MyLowe’s Rewards Credit Card. Limit one 20% off coupon per new credit account; offer is not transferable. Maximum discount is $100 with this offer. Accounts opened in store: One-time 20% off discount is not automatic; you must ask cashier to apply discount (barcode) at time of in-store purchase. Accounts opened online, via text-to-apply or QR code: You will receive a one-time coupon/promotional code, which may be used in store or online. If you do not receive a credit decision the day you apply but are later approved, a 20% off coupon will be provided via mail with your new card. The 20% discount will be applied after all other applicable discounts. Offer cannot be used in conjunction with or on: (i) 5% Off Every Day offer, Special Financing or any other credit-related offer; however, if the 5% Off Every Day discount offer is greater than $100, the greater discount will automatically be applied; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to Contractor Packs, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Military Discount, employee discount and Lowest Price Guarantee); (iii) associate-discretion price adjustments; (iv) any services (such as but not limited to rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products. Coupon is not redeemable for cash, is not transferable and cannot be replaced if lost or stolen. Void if altered, defaced, copied, transferred or sold (through any online auction or otherwise). Customer must pay applicable sales tax. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s Canada Credit Accounts. We reserve the right to discontinue or alter these terms at any time.

*5% Off Your MyLowe’s Rewards Credit Card Purchase: Get 5% off your eligible purchase or order charged to your MyLowe’s Rewards Credit Card. Valid for purchases in US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Customer must pay applicable sales tax. Offer can’t be used in conjunction with or on: (i) other credit-related promotional offers; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Was: Now, Military Discount, Employee Discount, and Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler or Miele products. We reserve the right to discontinue or alter the terms of these offers any time. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s Canada Credit Accounts.

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