Q&A: What credit score do you need for a Lowe’s® card?

Answer: The Lowe’s Advantage Card, which is their primary consumer credit card, typically requires a fair to good credit score for approval. This generally translates to a score starting in the mid-600s and up. However, having a score on the higher end of that range or even in the good to excellent range can boost your chances of approval and possibly get you better terms.

But, and there’s always a but, your credit score isn’t the only thing Lowe’s and their card issuer (Synchrony Bank) will look at. They’ll also peek at other aspects of your financial profile. This includes things like your income, employment status, overall debt, and how you’ve managed credit in the past. All these factors come together to give them a clearer picture of your creditworthiness.

If you’re considering applying, it might be a smart move to first check your credit report. Make sure everything’s accurate and get a sense of where you stand. Remember, applying for a credit card results in a hard inquiry on your credit report, which can give your score a tiny dip. So, it’s best to apply when you’re feeling confident about your chances.

If you do get approved for the Lowe’s card, enjoy those special financing offers and discounts on your purchases. It can be a handy card for those who frequently shop at Lowe’s for home improvement needs.