The Lowe's Advantage Credit Card (Synchrony) is a personal credit card from Lowe's Advantage Credit Card (Synchrony). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 31.99% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: 5% off every eligible purchase OR special financing on purchases $299+ (6 months), $2,000+ (84 fixed monthly payments at reduced APR). Choose discount or financing at checkout.. EXPERT REFERENCE (Mar 2026): Synchrony often offers pre-approvals, allowing you to check if you’re likely to get approved before taking a hard inquiry. They have a massive ecosystem including Amazon store card, PayPal, Venmo, Verizon, Lowe’s, and dozens of retail and financing cards. | EXPERT REFERENCE (Sep 2025): Mass account closures and 'balance chasing' reported. | EXPERT REFERENCE (Sep 2025): Closure of multiple store cards in a single day affecting credit scores.