5% off at Lowe's, or special financing on larger projects. Only usable at Lowe's.
Rates, fees and offers
- Regular APR
- 31.99% variable
- Annual fee
- $0
- Promo offers
- Choose 5% off purchases, or 6-month deferred-interest financing on $299+, or fixed-payment financing on $2,000+ (terms vary).
- Balance transfer fee
- Not available
- Rewards
- 5% off eligible Lowe's purchases (or financing instead). Only usable at Lowe's.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Promotional financing is usually deferred interest: if the promo balance isn't paid in full by the deadline, interest is charged back to the purchase date. The standard APR is about 32%. The discount only helps if you pay the balance in full.
Paying and contacting Synchrony
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Synchrony cards → · Search all cards
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