The Lowe's Business Advantage Card (Synchrony) is a business credit card from Lowe's Business Advantage 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. Itemized billing. Employee cards. Fuel discount at participating stations. Net 30 terms option for qualifying businesses.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Lowe's Business Advantage: actually Net 60 terms (commonly mislabeled as Net 30). Reports to D&B.