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Lowe's Advantage Card vs. Home Depot Consumer Credit Card

No-annual-fee store cards with deferred financing options.

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The information about Home Depot Consumer Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

These two are store cards with a $0 annual fee and deferred interest on purchases over $299. The main difference is the Lowe's Advantage Card offers a 5% discount, while the Home Depot Consumer Credit Card doesn’t offer any discounts except the welcome offer . But you can potentially get slightly lower interest rates with the Home Depot card.

Compare other perks and features in the table below.

Lowe's Advantage Card

Lowe's Advantage Card

Rates & Fees

Home Depot Consumer Credit Card

Home Depot Consumer Credit Card

Rates & Fees

Best for
Best for
  • Loyal Lowe's customers
  • Special financing at Home Depot
Welcome offer
Welcome offer

Up to $100 off your first in-store Lowe's purchase

$25 off your purchase of $25-$299, $50 off your purchase of $300-$999 or $100 off single purchase of $1,000 or more in first 30 days

Rewards
Rewards

5% off Lowe’s purchases

N/A

Purchase APR
Purchase APR

26.99% variable

17.99%, 21.99%, 25.99%, or 26.99% fixed

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

7.99% variable

N/A

Cash advance
Cash advance N/A N/A
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee
Interest-free period
Interest-free period 23 days 25 days
Minimum interest
Minimum interest $2 $2
Minimum credit score
Minimum credit score N/A 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Lowe's Advantage Card

Lowe's Advantage Card

  • With the Lowe's Advantage Credit Card, enjoy everyday savings of 5% off your eligible purchase or order when charged to your Lowe's account.

Home Depot Consumer Credit Card

Home Depot Consumer Credit Card

  • Pay your bills.
  • Track account activity.
  • Get exclusive offers.
  • Activate account alerts.

Compare credit cards

Name Product Annual fee Balance transfer APR Purchase APR Filter values
U.S. Bank Cash+™ Visa Signature® Card
$0
0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable)
13.99% to 23.99% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $200 cash back bonus. Rates & Fees
Wells Fargo Propel American Express® Card
$0
0% intro for the first 12 months (then 14.49% to 24.99% variable)
0% intro for the first 12 months (then 14.49% to 24.99% variable)
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Bank of America® Travel Rewards credit card
$0
14.99% to 22.99% variable
0% intro for the first 12 statement closing dates (then 14.99% to 22.99% variable)
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
U.S. Bank Visa® Platinum Card
$0
0% intro for the first 20 months (then 13.99% to 23.99% variable)
0% intro for the first 20 months (then 13.99% to 23.99% variable)
0% intro APR on purchases and balance transfers for the first 20 months from account opening.
Citi® Double Cash Card
$0
0% intro for the first 18 months (then 13.99% to 23.99% variable)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

Compare rewards credit cards

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