Activate Lowe’s Credit Card Online at

Hey there! If you’re the proud new owner of a Lowe’s Credit Card, congratulations! This card comes with some pretty sweet perks, like a 5% discount on your purchases and special financing options. But before you can start enjoying those benefits, you’ll need to activate your card. Don’t worry, it’s a piece of cake!

In this guide, we’ll walk you through the simple steps to activate your Lowe’s Credit Card online at or by phone. We’ll also cover some important info like the benefits of the card, what you’ll need for activation, and how to check your gift card balance. Let’s get started!

Why Activate Your Lowe’s Credit Card?

Your shiny new Lowe’s Credit Card is pretty much useless until it’s activated. Think of it like a car without gas – it looks nice, but it won’t get you anywhere! Activating your card unlocks all the fantastic benefits, including:

  • A sweet 5% discount on your Lowe’s purchases
  • 6 months of special financing on purchases of $299 or more
  • Reduced APR financing for 84 months on purchases over $2,000

Trust us, you don’t want to miss out on these perks. So let’s get that card activated!

What You’ll Need to Activate Your Card

Before you hop online or dial the activation number, make sure you have the following info handy:

  • Your Lowe’s Credit Card (kind of important!)
  • The account number associated with your card
  • Your Social Security Number (SSN)
  • Your Tax Identification Number (TIN)
  • The 3-digit security code on the back of your card (CVV)
  • A valid email address

Got all that? Great, you’re ready to activate!

Activating Your Lowe’s Credit Card Online

Activating your card online is the quickest and easiest method. Just follow these steps:

  1. Open up your favorite web browser and head to the official Lowe’s Credit Card activation site at
  2. Enter your User ID (which is case-sensitive) and password to log in. If you don’t have an account yet, click on “Register” at the bottom of the page to create one.
  3. Once logged in, select your Lowe’s Credit Card and click “Next.”
  4. Enter your date of birth, the last four digits of your SSN, and your mother’s maiden name for verification.
  5. Click the “Activate” button and voila! Your Lowe’s Credit Card is now ready to use.

Activating Your Lowe’s Credit Card by Phone

If you prefer to activate by phone or are having trouble with the online process, no worries! Just follow these steps:

  1. Call the Lowe’s Credit Card activation toll-free number at 1-800-444-1408. You can find this number on the back of your card.
  2. When prompted, let the representative know that you’d like to activate your card.
  3. Provide the requested information, including your card number, date of birth, SSN, and TIN. You’ll enter these using the numbers on your phone’s keypad.
  4. Once the representative confirms your info, your Lowe’s Credit Card will be activated and ready to use!

Checking Your Lowe’s Gift Card Balance

If you have a Lowe’s Gift Card, you can easily check the balance online or in-store. Here’s how:


  1. Sign in to your account.
  2. Click on “Gift Cards” in the menu.
  3. Enter your gift card number and PIN to view the balance.


Just take your gift card to any Lowe’s store and ask a cashier to check the balance for you.

Helpful Links

Here are some handy links to bookmark for easy reference:

Final Thoughts

See, I told you activating your Lowe’s Credit Card was easy! Whether you choose to activate online or by phone, the process is quick and straightforward. Just remember to have all the necessary info ready.

Now that your card is active, you can start enjoying all the fantastic benefits like the 5% discount and special financing offers. Happy shopping!

If you found this guide helpful, be sure to check out my website for more useful tips and tricks!


What if I’m having trouble activating my card online?

If you’re running into issues activating your card at, try calling the toll-free activation number at 1-800-444-1408 for assistance.

Do I need to activate my Lowe’s Card if I already have a MyLowe’s account?

Nope! If you already have a MyLowe’s account, your new card will be automatically activated and ready to use.

How can I pay my Lowe’s Advantage Credit Card bill?

You can easily view and pay your bill online by logging into the Lowe’s Advantage Credit Card portal. You can also set up AutoPay to ensure you never miss a payment!

What if I still have questions about activating my Lowe’s Credit Card?

If you’re still confused or have additional questions, don’t hesitate to call Lowe’s Customer Service at 1-800-444-1408. They’ll be happy to help!