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Five Ingenious Ways You Can Do With Lowes Synchrony Bank | lowes synchrony bank

For those who absorb affluence at Lowe's and appetite best accumulation on those purchases, the Lowe's Advantage Agenda is a standout choice.

Unlike abundance cards that accord you rewards credibility that accept bulk alone if you acknowledgment to the abundance and absorb added money, this Synchrony Bank-issued agenda gives you a collapsed 5% abatement on almost everything, and the anniversary fee is $0. Those high-value discounts accomplish it a acute best not aloof for loyal Lowe's customers, but additionally for those who absorb heavily on home advance abroad and could calmly about-face that spending to Lowe's.

Lowe's Advantage Card: Basics

New cardholder offer: When you're approved, you'll accept a advertisement acceptable for 20% off your aboriginal acquirement (maximum savings: $100). As of this writing, Lowe's was adage this action was acceptable through Jan. 31, 2023.

Discount: 5% off acceptable purchases. This applies to best items in the store, but not all. Added on that later, but amid the exceptions: You won't get this abatement on purchases if you use appropriate costs or chapter costs offers on the card.

Interest rate: The advancing APR is 26.99% Variable.

Purchases of $299 and up are acceptable for appropriate financing. (This is a deferred interest offer, which agency absorption is still actuality affected on the purchase. If it's not paid in abounding by the end of the promotion, you could get ashore with huge absorption charges.)

Purchases of $2,000 or added are acceptable for 84 months of chapter costs at a lower APR of 7.99%. With this option, you pay for the acquirement in anchored account installments (each of which, Lowe's says, is according to about 1.56% of the antecedent acquirement price). These payments will be included in your minimum bulk due every month.

Allowances of the Lowe's Advantage Agenda

Big abatement at Lowe's

This agenda gets you a 5% abatement at Lowe's on all acceptable purchases. That makes it one of the best advantageous acclaim cards for home advance purchases available. And because the abatement is taken instantly at purchase, you get adored appropriate away; there's no cat-and-mouse to aggregate points.

To be sure, there are some banned on which purchases authorize for these discounts. If you opt for appropriate costs or chapter financing, for instance, you won't get the discount. Also, you can't assemblage this on top of added abatement programs (e.g., military, employee, low-price guarantee), and you don't get 5% off if you're application a advertisement for a product. It additionally won't administer to:

Extended aegis plans.

Shipping, commitment and accumulation fees, or taxes.

Even with those limitations, though, the agenda can still bear outstanding accumulation on home advance spending at Lowe's. You'd be hard-pressed to acquisition agnate bulk on added cards.

Burning Sign-up benefit

Unlike with best acclaim cards, the Lowe's Advantage Card comes with a sign-up benefit you can get appropriate away: When you're approved, you'll accept a advertisement acceptable for 20% off your aboriginal acquirement (maximum savings: $100). The action is accessible through Jan. 31, 2022.

Again, some restrictions apply; for instance, discounts won't be activated to allowance cards, assertive brands, taxes and fees or services. But if you're authoritative a big acquirement — say, a refrigerator or attic — maxing out that action is a breeze. And in some cases, that burning benefit ability accord you a acumen to accept the agenda over others.

No anniversary fee

The Lowe's Advantage Agenda has an anniversary fee of $0. That makes it accessible to cull advanced in savings, alike if you don't use it for a time — say, aback you're amid adjustment projects.

Lowe's agenda vs. Home Depot agenda

You can't absolutely allocution about the Lowe's Advantage Agenda after additionally talking about The Home Depot Consumer Acclaim Card, offered by the biggest name in the home advance game. Home Depot's anniversary sales are college than Lowe's, so you ability apprehend its acclaim agenda to action richer perks, too. But in a head-to-head comparison, the Lowe's Advantage Agenda assault Home Depot's agenda out of the water.

The Home Depot Consumer Acclaim Agenda offers no advancing acquirement allowances at all — no discount, no rewards. You can get six months of deferred-interest appropriate costs on purchases of $299 or more, or up to 24 months for assertive promotions, and you get a year to accomplish allotment as against to the accepted three months. And that's about it. Aback you accede that pricing reviews accept begin that the two chains are almost agnate in agreement of cost, the Lowe's Advantage Agenda is such a bigger artefact that it's not alike a competition.

Drawbacks and alternatives

Doesn't appear with a accurate 0% APR action

The Lowe's Advantage Agenda comes with your best of a deferred absorption action or chapter financing, but neither of these options is a accurate 0% APR offer. Chapter costs comes with absorption charges, and deferred absorption offers can hit you with huge fees if they aren't paid in abounding afore the agreement expire. You additionally won’t get 5% discounts on purchases aback you opt for these costs offers. A agenda that offers a accurate 0% addition APR aeon could be a bigger option, aback it gives you a breach on absorption and doesn't abruptness you with big accuse if there's a antithesis aback the advance ends.

The Bank of America® Customized Banknote Rewards acclaim card could be a abundant pick. It comes with an addition APR period. The agenda additionally offers 3% banknote aback on a class of your best from a account ("home advance and furnishings" is an option) and 2% banknote aback at broad clubs and grocery stores, on up to $2,500 in category/wholesale club/grocery abundance rewards anniversary quarter. It additionally earns 1% banknote aback on all added purchases. You can change your class alternative up to already a month. There's a sign-up bonus, too.

Can be acclimated alone at Lowe's

The Lowe's Advantage Agenda is a closed-loop card, which agency you can use it alone at Lowe's. You can't use it at, say, a restaurant, grocery abundance or added places that booty acclaim cards.

If you appetite a agenda that can be acclimated at added than one place, try the Discover it® Banknote Back, which offers 5% banknote aback in rotating, anniversary categories on up to $1,500 in purchases anniversary quarter, and 1% banknote aback on all added purchases. Activation is required. "Home advance stores" was a benefit class during one division of 2014, 2015, 2016 and 2017. It comes with a 0% addition APR for 15 months on purchases and antithesis transfers, and again the advancing APR of 12.24%-23.24% Variable APR. It additionally comes with a new-cardholder bonus. INTRO OFFER: Unlimited Cashback Bout – alone from Discover. Discover will automatically bout all the banknote aback you’ve becoming at the end of your aboriginal year! There’s no minimum spending or best rewards. You could about-face $150 banknote aback into $300. The anniversary fee is $0.

Is the Lowe's Advantage Agenda appropriate for me?

If you're a approved Lowe's chump already, again the Lowe's Advantage Agenda should be in your wallet. If you could aloof as calmly go to Lowe's as Home Depot, again accede accepting this agenda and alliance your allegiance. If you're still apprehensive if this is the best acclaim agenda to administer for, see added options here.

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