The Lowe’s card can offer 5% off eligible purchases, or promotional financing on certain purchases—but Lowe’s says those offers cannot be combined. The right choice depends on what you’re buying, whether it qualifies, and whether you can pay a financed balance in full before its deadline.
The familiar “Lowe’s Advantage Card” name appears in the assigned title; Lowe’s current consumer-facing offer materials call the product the MyLowe’s Rewards Credit Card. The offers discussed here apply to Lowe’s purchases, not general spending. Terms and promotions can change, so check Lowe’s live offer page and your own card agreement before applying or buying.
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What the Lowe’s card offers
Lowe’s advertises two main kinds of value for eligible card purchases: an everyday discount and promotional financing. The official offer page also lists financing options tied to specified purchases, such as installed flooring, appliances and HVAC, as well as fixed-payment options for certain larger purchases. These are promotional offers, not guaranteed permanent benefits; check the current terms for the purchase you have in mind.
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The central trade-off is straightforward: the discount reduces an eligible purchase price, while financing gives you time to pay but may carry a substantial cost if you miss its terms. Lowe’s states that “Special Financing and discount offers cannot be combined.” You may have to choose one offer rather than stack them.
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
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- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
When does the 5% discount apply?
Lowe’s says the 5% discount applies to eligible purchases or orders charged to the card in U.S. stores and on Lowes.com. It is applied after other applicable discounts, and taxes remain payable. Eligibility is limited by exclusions in the offer terms, so do not assume every item, service or transaction qualifies.
The official terms exclude, among other things, other credit-related offers; some promotions and markdowns; certain Lowe’s programs and price-match situations; associate price adjustments; delivery, installation, rentals and protection plans; fees and taxes; prior sales; gift cards; and specified products, including Weber, Kichler and Miele. Because exclusions and terms may change, consult the live offer page before checkout.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
How the six-month special financing works
Lowe’s lists six-month special financing for qualifying purchases of at least $299. It is deferred-interest financing, not a promise of interest-free borrowing regardless of repayment: if the promotional purchase is not paid in full within six months, interest is charged from the purchase date.
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- Do not rely on minimum payments: Lowe’s warns that minimum monthly payments may not pay off the purchase by the end of the promotional period.
- Check payment allocation: Lowe’s says some payments associated with the promotional balance may be applied to other account balances.
That combination makes deferred interest easy to misjudge if you carry other balances or pay only the required minimum. Confirm how your account applies payments and plan to clear the full promotional amount by the deadline.
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Other financing offers and purchase types
Lowe’s offer materials also list 12-month financing for specified installed flooring, appliances and HVAC purchases, along with fixed-payment options for certain larger purchases. Eligibility, minimum purchase amounts, duration and repayment details depend on the particular offer. The six-month terms should not be assumed to apply to these other promotions; read the offer attached to the specific purchase and verify it is current.
What APR applies?
For new accounts, Lowe’s lists a 31.99% purchase APR, a 36.99% penalty APR and a $2 minimum interest charge. These are the terms Lowe’s lists for new accounts, not necessarily the terms for an existing cardholder or an individually approved account. Existing cardholders should use their own card agreement to determine applicable terms.
Rank #4
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- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
The high listed purchase APR matters if you carry a balance outside a promotional offer, and deferred interest can make an unpaid promotional purchase costly. The official offer page is not an individualized approval offer or a substitute for the account agreement.
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Compare the actual purchase and your repayment plan—not just the headline percentage or promotional duration. Since Lowe’s says the discount and special financing cannot be combined, do not count on receiving both.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
- Check eligibility first: Confirm the product and transaction qualify for the 5% discount or the financing offer. Services, excluded products and other promotions can change the result.
- Compare the offer’s threshold and term: The listed six-month promotion requires at least $299; other financing offers may have different conditions.
- Be realistic about repayment: If you cannot reliably pay the full promotional balance before its deadline, deferred interest may outweigh the appeal of spreading payments out.
- Consider the cost of carrying a balance: Compare the benefit of an immediate eligible discount with the possibility of interest under the offer and your account terms.
A discount is more predictable when the purchase qualifies and you would pay it off without financing. Financing may suit a planned purchase when its specific terms fit your budget and you can meet the repayment deadline. Neither option is automatically better for every buyer.
What this review can—and cannot—tell you
The available official terms describe advertised offers and the listed APR figures for new accounts. They do not establish approval odds, underwriting criteria, an individual applicant’s APR, or all fees and terms that may appear in a particular card agreement. Review the application disclosures and your agreement for the account-specific details before deciding.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
