Lowes Credit Card, owned by GEMB (GE money bank), offers us 2 versions of the card. The only difference between them is that one of them is meant to be used by a regular customer and the second is for business customers only. Lowe’s offers quite attractive features for its cardholders.

features and benefits

Having the Loves Card is a great benefit. Let’s find out why:

  1. No annual fee
  2. 21.9% APR
  3. Online Request for Credit Balance Refund
  4. 26-day grace period Low monthly payments
  5. Online Request for Credit Balance Refund
  6. 26 day grace period
  • – Adding authorized users free of charge
  • – Three versions of card design.
  • – Electronic invoice service to receive invoices online
  • – Card replacement service
  • – Facilitation of the change of credit line
  • – Online card account access is protected by the secure socket layer


If you are going to have a Lowes credit card, you should also know all about its restrictions. They are:

* Cards do not offer inaugural APR.

* Payments sent by mail take seven to ten days to process.

* Requests to change the due date of payments are not accepted.

* Gift cards are not accepted as a way to make card payments.

Do you want to apply for the card?

Applicants who have fair credit history generally receive credit card approval. As usual, 7 out of 10 applicants are approved. Lowes credit card approval takes approximately 2 weeks.

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