How to Earn Points and Miles for Free Travel
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Details
- Earn 3X points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
- Plus, earn 2X points at Lowe's and 1X points on other purchases. Terms and limitations apply.
- Get 5% Off at Lowe's.
- No Annual Fee.
- Redeem points for gift cards that you can use toward business expenses starting from 2,500 points. Terms Apply.
- Lowe’s ProServices for discounted delivery and more.
- 0% introductory APR on purchases for 6 months. After that your APR will be a variable rate, currently 17.74%, 21.74% or 26.74%, based on your creditworthiness.
Pros
5% of savings at Lowe's
0% purchase intro APR
High rewards rate
No Annual Fee
Cons
Has interest charges
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rewards
Dining
3 points / $1
Office Supply
3 points / $1
Telecom
3 points / $1
Other
1 point / $1
Rates and fees
Purchase regular apr
17.74,21.74,26.74%
variable
Cash advance apr
27.24%
variable
Regular annual fee
$0
Cash advance fee
3%
min $5
Foreign transaction fee
2.7%
Late payment fee
up to
$38
Return payment fee
$38
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