Easy, Convenient & Fast

For your home or business, Lowe’s credit cards give you the flexibility, convenience, and financial power. Use them in-store or online!

What is a merchandise credit?

Merchandise Credit means the crediting to the purchaser of the full amount of the payment upon return of the goods and allowing the purchaser to purchase goods from the merchant with the merchandise credit, or applying to the purchaser’s credit account with the merchant, in the amount of the merchandise credit.

Does Lowes merchandise credit expire?

Will my gift card expire or decrease in value? No. Lowe’s Gift Cards that have a balance will never expire and are never subject to additional fees. However, gift cards that remain at a $0 balance for 90 days will be deactivated for security purposes and can’t be reloaded or reused.

Can I use merchandise credit online?

A Merchandise Only Certificate can only be used in-store and can’t be used for online purchases. Note: Merchandise Only Certificates may not be used as payment on a credit account.

How do I check the balance on my merchandise card?

Every gift card should have their terms and conditions printed on the back of the card. This usually includes a telephone number, which you can call to find out your balance. Visit the store and ask. If the brand has a store nearby, you can always visit and ask the cashier to check your balance for you.

Can you sell merchandise credit?

Can I sell my store (merchandise) credit? Yes, you can get cash back for store credit if the credit is in the form of a plastic card and never expires. Just treat the store credit card as a gift card when selling your gift cards.

Is a merchandise credit the same as a gift card?

They are the same in the way they both can be used to purchase an item at that specific store. If you prefer to have a gift card to give to someone else you could check if you can use your store credit to purchase a gift card.

What is a merchandise credit card used for?

This account is a merchandise or store credit card, which you can use to make everyday purchases while restoring your credit.

Does merchandise credit expire?

Nope! To ensure an easy shopping experience, hang on to all relevant gift card or merchandise credit information.

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