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Store credit cards or
rewards credit cards?
There is no doubt that online shopping has made it easier for people to make purchases. Many retailers now offer convenient services like online grocery delivery, free shipping, pickup options, or other benefits. Some services may be available to store card members for free, so you may want to apply for a local department store credit card. However, while it may be tempting to sign up for a store card, we wouldn't recommend applying for it without getting to know and understanding how the card works and if it's right for you. Below, as an example, we took the Lowe's store card and a regular credit card to show you how the two are compared to each other.
Offer is not available
The Lowe's store card might not be the best option if you are after rewards
Lowe's basic credit card - MyLowe’s Rewards Credit Card - is easier to get than any other Lowe's credit card or rewards credit card. However, you won't save much on other purchases since the card can't be used outside Lowe's locations. Still, those who tend to make big purchases at Lowe's may like the card's flexible financing options, rewards program, and extra perks. Here you can see why you may want to skip a store credit card and get a regular rewards credit card instead.
REWARDS CREDIT CARD
our choice
on Discover's secure website
Excellent/Good Credit
STORE CREDIT CARD
MyLowe’s Rewards Credit Card
Offer is not available
Excellent/Good/Fair Credit
REASON 1: SIGN-UP BONUS
The sign-up bonus on the Lowe's store credit card is given in the form of a 20% discount (up to $100 discount). It applies to the first purchase only when you open and use a new Lowe's card to make that purchase. Nice, but can be better. If you check out welcome bonuses of rewards credit cards, you can easily find a credit card with a welcome bonus of $100 and even higher. For example, the Discover it® Cash Back card comes with an unlimited Cashback Match® for all new cardmembers (only from Discover). There are no spending requirements, you simply use the card, earn cash back, and then, at the end of your first year, get your cash back matched. If you earn $100 cash back, you'll get another $100, if you earn $200 cash back, Discover will turn it into $400. No limits ever!
REWARDS BONUS
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Get 20% off your eligible purchase when you open and use a new MyLowe's Rewards credit account. Up to $100 discount.9
REASON 2: REWARDS ON PURCHASES
The Lowe's store card allows you to get a 5% off eligible Lowe's purchases or you can trade this discount for special financing. Plus, you can earn 1.25x points toward MyLowe's Money™, which are redeemable at Lowe's only. Not the best option, especially when you can get a discount and promotional rate at the same time with a regular credit card. Regular rewards cards can offer you various rewards options. You can choose to earn fixed cash back on all purchases or find a credit card that earns elevated rewards in select categories, like it does the Discover it® Cash Back card. The card offers up to 5% cash back in changing categories (up to the quarterly maximum when you activate). Plus, rewards credit cards will always allow you to earn the basic 1% or 1 point on all purchases, including Lowe's purchases.
REWARDS
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Earn 1.25x points toward MyLowe’s Money™ with Silver Key status only9
REASON 3: REDEMPTION OPTIONS
The Lowe's credit card allows you to earn points toward MyLowe's Money, which are just for shopping at Lowe's. That means you cannot use MyLowe's Money for statement credits or gift cards, or cash.
Regular rewards credit cards give more flexibility here. You can redeem rewards for statement credits, gift cards, pay with rewards, transfer to partners or even turn rewards into cash. Plus, you may be sure that your cash back or points will never expire as long as your account is active and in a good standing.
REWARDS REDEMPTION
Redeem cash back for any amount. No annual fee.
1,000 points = $5 MyLowe's Money9
REWARDS EXPIRATION
Rewards never expire.µ
All accumulated points will expire 12 months after last points-earning activity.9
REASON 4: INTEREST RATES
It's not a secret that department store cards come with higher interest rates than regular credit cards. Plus, store cards rarely offer 0% intro APRs. The Lowe's store card will offer you special financing, but only on eligible purchases and if you meet the minimum purchase requirement. Plus, when you choose special financing, you do not get the 5% discount with the Lowe's credit card.
Rewards credit cards, on the contrary, offer lower ongoing rates than store cards. Plus, regular credit cards can offer a 0% intro APR on purchases and rewards. That means you can avoid interest payments, while you're making minimum payments on time, and earn rewards on all purchases. Just keep in mind that promotional rate will eventually end and the go-to APR will apply to all new and unpaid balances.
INTRO APR ON PURCHASES
0% Intro APR (15 months)
0% for 6 months (if paid in full on purchases of $299 or more)9
ONGOING APR
17.49% - 26.49% Variable APR
*See Terms
31.99%9
ANNUAL FEE
$0
$09
REASON 5: LIMITED USABILITY
The MyLowe’s Rewards Credit Card is designed exclusively for Lowe's shoppers and can be used at Lowe's and Lowes.com only. Regular store cards can be either Visa, Mastercard, Discover, or American Express credit cards meaning the cards can be used anywhere, not only at a specific retailer or place.
CREDIT CARD USAGE
Use Anywhere Discover Cards Accepted
Use the card at Lowe's and Lowes.com9
Our choice for
online shopping 2026
Experienced consumers may like the Discover it® Cash Back card with its increased cash back on select purchases that change each quarter throughout the year. The card has no annual fee and can work well as a primary credit card or as an additional credit card to maximize rewards in changing categories. The welcome bonus offer for all new members and zero introductory interest rate make the card an even more worthy deal the first year.
Rewards Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Popular credit cards for
online shopping
our choice
Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR
18.49% - 28.49% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Annual Fee
$0
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
our choice
Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.49% - 26.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee.
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more.
- 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR will apply.
- Terms and conditions apply.
our choice
Intro APR on Purchases
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer
0% intro on balance transfers (for 15 months)
Regular APR
18.49% - 28.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies
Annual Fee
$0
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
17.49% - 27.49% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Annual Fee
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
0% Intro APR (18 months)
Regular APR
17.49% - 26.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
28.99% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$0
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
Best cards for shopping
for bad or no credit
our choice
Maximum Loan Amount
$200,000
Minimum Loan Amount
$1,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $200,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
our choice
Card Type
Unsecured
Regular APR
35.9%
Annual Fee
$175 the first year; $49 thereafter
Guaranteed Approval
No
Instant Response
Yes
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
our choice
Card Type
Secured Credit Card
Regular APR
No interest
Annual Fee
$0
Guaranteed Approval
No
Instant Response
Yes
- To apply for a Chime Card, Chime® Checking Account is required to apply.
- Build your credit history.398
- Earn cash back (1.5% cash back399 on rotating categories, e.g., gas and groceries) with Chime+* status.
- No annual fees or interest. No credit check to apply.400
- Fee-free (in-network) ATM network404 and cash deposits405.
questions ABOUT
REWARDS CREDIT CARDS
What card can help me earn rewards at different supermarkets and online stores like Amazon, etc.? I don't want a credit card that lets you earn rewards only at one certain store. Please advise.
For your needs, we would recommend you general rewards credit cards. They typically come with a 0% intro APR on purchases, allow earning worthwhile rewards for all purchases and give flexible redemption options. For...
Read moreWhat kind of credit do I need to apply for the Lowe's credit card?
Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this...
Read moreDoes the Lowe's credit card offer rewards?
Yes, the MyLowe's Rewards Credit Card offers rewards specifically tailored for Lowe's customers. Credit cardholders unlock free Silver Key status with MyLowe's Rewards loyalty program and get the opportunity to earn...
Read more
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Updated: February 2, 2026