Lowes introduced a credit card called the Lowes Advantage Credit Card. When you sign up, you get a 20 percent discount on your purchase. However, you only get this when you apply in-store and request a discount. The Advantage Card is a type of limited credit card that’s only applicable for purchases from Lowes. You’ll need a credit score of 640 or above to be approved. Perks beyond the one-time 20 percent discount include 5 percent off all additional purchases and special financing options.