The Lowe’s home store wants to make it easy for homeowners and for businesses to be able to make the purchases they need on credit. For this reason, they offer two credit cards, a general Lowe’s Credit Card and a Lowe’s Project Card. Each Lowe’s credit card has special features that is sure to meet the needs of the cardowner. The GE Money Bank issues the credit cards. 

The Lowe’s Credit Card – for General Purchases 

The Lowe’s Credit Card, which the store says is great for everyday purchases, is available in the United States and in Canada. It offers the opportunity to get low monthly payments and extended buying power. This provides buyers with a Lowe’s Visa Credit Card. 

The card comes with no annual fees, but provides extended buying power to cardowners. Special promotions are made through the year, which will give cardowners special savings. It is available in three different styles – the Standard Blue, and there are two different NASCAR styles to choose from. Accounts can also be managed online, allowing a Lowe’s credit card online payment for greater convenience. 

The Lowe’s Credit Card does have a special Introductory Offer. For single receipt purchases that are $299 or more, there is no interest charged if it is paid in full within six months. During that time, minimum payments will be required. Other than that, the card provides no points or cash rewards, and it has a standard interest rate of 22.99 percent APR. 

The Lowe’s Project Card – for Major Purchases 

When you have need of larger purchases, or are a contractor, the store offers the Lowe’s Project Card. This card requires that your first purchase be at least $1,000. 

Once you make a $1,000 purchase, it enables you to open a “Project Window” which will also give you a six-month period of zero percent interest on your purchases. The Window closes at the end of six months and then the regular interest rate takes effect. A new “Project Window” can be opened with another minimum purchase of $1,000, and so on. Only one Project Window can be open at a time. 

The interest rates on the Lowe’s Project Card ranges from 7.99 percent to 17.99 percent. Applicants may be able to qualify for generous credit lines. Low monthly payments are available, and these may be extended to between four to ten years beyond the purchase period. 

How to Apply for a Lowe’s Credit Card 

Applying for a Lowe’s Credit Card is easy. If you are not sure which card to apply for, the Lowe’s Website has a tool online to help you know which one will be the better credit card for your needs. Their Website also lets it be known who will be able to get a card – most everyone with a credit score of at last 618, which they say is about seven out of ten applicants. 

Once you are a Lowe’s Visa credit card owner, you can go to the Lowe’s credit card login and access your credit card information. It will also give you access to the Lowe’s Credit Card customer service.