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Youll likely need a fair, good, or excellent credit score to qualify for the Lowes credit card.
Your Lowes Store Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Synchrony Bank explaining the exact reason for the denial.
The Lowes Advantage Credit Card is reported to be among the more difficult store cards to get, generally preferring applicants with fair credit or better (FICO scores above 620). While you can apply for the Lowes card online, its recommended that you apply in-store to take advantage of the one-time signup offer.
Synchrony backs three credit cards available through Lowes: the Lowes Advantage Card, the Lowes Business Account and Lowes Accounts Receivable.