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

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

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

Terms apply, see rates & fees

Home Depot Consumer Credit Card

Home Depot Consumer Credit Card

Terms apply, see 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 580 670
Card type
Card type Credit Credit
Learn more
Learn more

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

Name Product Annual fee Purchase APR Minimum Credit Score
Lowe's Advantage Card
Lowe's Advantage Card
$0
26.99% variable
580
Enjoy 5% off Lowe's purchases.
Home Depot Consumer Credit Card
$0
17.99%, 21.99%, 25.99%, or 26.99% fixed
670
Get $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. All information about this card has been collected independently by Finder.
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