Lowe’s Credit Card vs Home Depot: Perks Guide 2025

0 1 6 minutes read

Lowe’s Credit Card vs Home Depot: Which Offers Better Perks?

Lowe’s credit card vs Home Depot is a hot topic for homeowners and DIYers who want to save money and get the best value on home improvement projects. Both Lowe’s and Home Depot offer store credit cards with perks like discounts, special financing, and exclusive promotions. But when it comes to Lowe’s credit card vs Home Depot, which one truly offers better perks in 2025? This guide explains Lowe’s credit card vs Home Depot in simple English, comparing features, benefits, real-life case studies, and practical tips to help you decide which card is right for your next project.

Lowe’s Credit Card vs Home Depot: Overview

When you compare Lowe’s credit card vs Home Depot, you’ll see that both cards are designed for shoppers who want to save on home improvement purchases. Lowe’s credit card vs Home Depot is all about finding out which perks—like instant discounts, special financing, and exclusive offers—best fit your renovation plans and shopping habits.

Types of Credit Cards: Lowe’s Credit Card vs Home Depot

Lowe’s Credit Card Options

Lowe’s Advantage Card: The main card for homeowners and DIYers.
Lowe’s Business Advantage Card: For contractors and business owners.
Lowe’s Commercial Account: For larger businesses with higher spending needs.

Home Depot Credit Card Options

Home Depot Consumer Credit Card: The primary card for individuals and families.
Home Depot Project Loan Card: For large renovation projects.
Home Depot Commercial Revolving Charge Card: For businesses with ongoing needs.

Most homeowners compare the Lowe’s Advantage Card and the Home Depot Consumer Credit Card.

Lowe’s Credit Card vs Home Depot: Key Perks

*Shoppers benefit from instant discounts at Lowe’s and special financing at Home Depot*

Both cards offer perks to help you save money and manage big purchases. Here are the main perks for Lowe’s credit card vs Home Depot:

Instant Discounts: Lowe’s offers 5% off most purchases; Home Depot does not have a standard discount but features promotional offers.
Special Financing: Both cards provide 6 months special financing on purchases over a certain amount.
Exclusive Promotions: Cardholders get access to special sales and events.
No Annual Fee: Both cards have no annual fee.
Limited Use: Both cards are store cards and can only be used at their respective retailers.

Everyday Savings: Lowe’s Credit Card vs Home Depot

*Nigerian families enjoy everyday savings with Lowe’s and Home Depot credit cards during home improvement shopping.*

Lowe’s Credit Card Everyday Savings

5% Instant Discount: Every time you use your Lowe’s credit card, you get 5% off eligible purchases in-store and online.
Exclusions: Gift cards, services, some brands, and certain promotional items.

Home Depot Credit Card Everyday Savings

No Ongoing Discount: Home Depot does not offer a standard percentage discount on every purchase.
Promotional Offers: Home Depot runs limited-time promotions, such as $25–$100 off your first purchase or special discounts on select items.

Summary:
For everyday savings, Lowe’s credit card vs Home Depot usually means Lowe’s wins with its 5% instant discount.

Special Financing: Lowe’s Credit Card vs Home Depot

Lowe’s Credit Card Special Financing

6 Months Special Financing: No interest if paid in full within 6 months on purchases of $299 or more.
Longer-Term Financing: 12, 18, or 24 months fixed payments with reduced APR for larger purchases.
Important: If you don’t pay the balance in full, you’ll be charged interest from the purchase date.

Home Depot Credit Card Special Financing

6 Months Special Financing: No interest if paid in full within 6 months on purchases of $299 or more.
24 Months Financing: Occasionally offered on special promotions for appliances, flooring, or select categories.
Project Loan Card: Allows borrowing up to $55,000 for big renovations, with fixed monthly payments up to 84 months.

Summary:
Both cards offer similar short-term financing, but Home Depot’s Project Loan Card is unique for very large projects.

Rewards and Rebates: Lowe’s Credit Card vs Home Depot

Lowe’s Credit Card Rewards

No Traditional Rewards Points: Lowe’s focuses on instant discounts and special financing.
Occasional Rebates: Extra discounts or gift cards on qualifying purchases during special events.

Home Depot Credit Card Rewards

No Traditional Rewards Points: Home Depot does not offer a points-based rewards program.
Limited-Time Offers: Extra savings or gift cards for new cardholders or on select categories.

Summary:
Neither Lowe’s credit card vs Home Depot offers ongoing rewards points, but both have occasional rebates and cardholder events.

Lowe’s Credit Card vs Home Depot: Comparison Table

Feature/Benefit	Lowe’s Advantage Card	Home Depot Consumer Card
Instant Discount	5% off	No
Special Financing	6–24 months	6–24 months
Project Loan Option	No	Yes (up to $55,000)
Exclusive Promotions	Yes	Yes
Annual Fee	$0	$0
Usable Outside Store	No	No
Rewards Program	No	No
Cardholder Events	Yes	Yes
First Purchase Bonus	Sometimes	Sometimes

Case Studies: Lowe’s Credit Card vs Home Depot

*Lowe’s and Home Depot credit cards helped with people’s home improvement projects.*

Case Study 1: The Renovating Homeowner

Background:
A Nigerian homeowner plans a ₦3,000,000 kitchen remodel.

Lowe’s Credit Card Experience:

Used the 5% discount for all purchases, saving ₦150,000 instantly.
Chose 12 months special financing for appliances, paying off the balance before interest.

Home Depot Credit Card Experience:

Used the Project Loan Card to borrow ₦5,000,000 for a full kitchen and bathroom renovation.
Paid back the loan over 60 months at a fixed rate, making the project affordable.

Result:
Lowe’s credit card vs Home Depot: Lowe’s gave instant savings and short-term financing; Home Depot enabled a bigger project with long-term payments.

Case Study 2: The DIY Enthusiast

Background:
A DIYer shops monthly for tools and supplies.

Lowe’s Credit Card Experience:

Used the 5% discount on every purchase, saving over ₦60,000 in a year.

Home Depot Credit Card Experience:

Took advantage of a first-purchase bonus of ₦25,000 off a new power tool set.

Result:
Lowe’s credit card vs Home Depot: Lowe’s is better for ongoing savings; Home Depot is better for a big first-time buy.

Case Study 3: Emergency Repairs

Background:
A family needs urgent plumbing repairs costing $2,000.

Lowe’s Credit Card Experience:

Used 6 months special financing, paid off the balance before interest.

Home Depot Credit Card Experience:

Used 6 months special financing, but missed the payoff deadline and was charged interest from the purchase date.

Result:
Both cards offer similar financing, but you must pay on time to avoid high interest.

Pros and Cons: Lowe’s Credit Card vs Home Depot

Lowe’s Credit Card Pros

5% instant discount on most purchases
Flexible short- and long-term financing
No annual fee
Exclusive promotions and cardholder events

Lowe’s Credit Card Cons

Usable only at Lowe’s
No traditional rewards points
Cannot combine discount with financing on the same purchase

Home Depot Credit Card Pros

Flexible short- and long-term financing
Project Loan Card for very large renovations
No annual fee
Exclusive promotions and cardholder events

Home Depot Credit Card Cons

No ongoing discount on every purchase
Usable only at Home Depot
No traditional rewards points

Choosing Between Lowe’s Credit Card vs Home Depot

Choose Lowe’s if:
- You want instant savings on every purchase.
- You shop frequently for smaller or medium-sized projects.
- You value simple, everyday discounts.
Choose Home Depot if:
- You need to finance a very large renovation.
- You want flexible project loan options.
- You’re looking for big first-purchase bonuses or exclusive category deals.
Consider both if:
- You shop at both stores for different needs.
- You want to maximize savings by using each card’s strengths.

Frequently Asked Questions: Lowe’s Credit Card vs Home Depot

Q: Can I use Lowe’s or Home Depot credit cards at other stores?
A: No, both cards are store-specific and work only at their respective retailers.

Q: Which card has lower interest rates?
A: Both cards have similar standard APRs, but rates can vary based on creditworthiness and the type of financing chosen.

Q: Can I combine discounts and financing?
A: No, you must choose either the instant discount or special financing for each purchase.

Q: Are there annual fees?
A: No, both cards have no annual fee.

Q: Do either of the cards offer rewards points or cash back?
A: Neither card has a traditional rewards points or cash back program; perks are focused on discounts and financing.

Conclusion: Lowe’s Credit Card vs Home Depot

When it comes to Lowe’s credit card vs Home Depot, the best card depends on your shopping habits and project needs. Lowe’s credit card stands out for its 5% instant discount on every purchase, making it ideal for frequent shoppers and smaller projects. Home Depot’s credit card shines for large renovations thanks to its Project Loan Card and special financing options. Both cards offer exclusive promotions, no annual fee, and similar short-term financing. If you want everyday savings and shop often, Lowe’s credit card wins. If you need to finance a major renovation or want flexible long-term payments, Home Depot is the better choice. For many homeowners and DIYers, having both cards can help them maximize perks and savings in 2025.