What credit score do you need for a lowes card?

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If you’re considering getting a Lowe’s credit card, you may be wondering what credit score is needed to qualify. A Lowe’s credit card can be a useful tool for financing home improvement projects or purchasing items from the store. In this article, we will dive into the credit score requirements for a Lowe’s card and provide you with the information you need to know.

Credit Score Requirements for a Lowe’s Card

Lowe’s offers two types of credit cards: the Lowe’s Advantage Card and the Lowe’s Business Rewards Card. The credit score requirements for these cards may vary slightly, but generally, a good credit score is necessary to qualify.

For the Lowe’s Advantage Card, which is designed for personal use, a credit score of around 640 or higher is typically required. This score is considered to be in the fair to good range. However, it’s important to note that credit score is not the sole factor in determining approval. Other factors such as income, employment history, and existing debts may also be taken into consideration.

On the other hand, the Lowe’s Business Rewards Card, as the name suggests, is intended for business owners. The credit score requirements for this card may be slightly higher, with a score of around 680 or higher often necessary for approval. Additionally, the business must have a valid tax ID number to apply for this card.

Factors Affecting Approval

While credit score is an important factor, it is not the only consideration when applying for a Lowe’s credit card. The credit card issuer will also evaluate other aspects of your financial profile. These may include:

Income: Your income level is an essential factor in determining your creditworthiness. A higher income can increase your chances of approval, as it demonstrates your ability to repay the credit card debt.

Employment History: Lenders prefer applicants with a stable employment history. A longer history of steady employment can enhance your chances of getting approved for a Lowe’s credit card.

Debt-to-Income Ratio: Lenders assess your debt-to-income ratio to evaluate your ability to handle additional debt. A lower ratio indicates that you have more disposable income to repay the credit card debt.

Credit History: In addition to your credit score, lenders will review your credit history. They will consider factors such as your payment history, the length of your credit history, and any negative marks on your credit report.


To qualify for a Lowe’s credit card, it is generally recommended to have a credit score of around 640 or higher for personal use and around 680 or higher for the business rewards card. However, credit score alone is not the sole determinant of approval. Factors such as income, employment history, and debt-to-income ratio also play a significant role. It’s important to keep these factors in mind when applying for a Lowe’s credit card.


– Lowe’s Credit Card: https://www.lowes.com/c/Credit+Cards
– Credit Score Ranges: https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/