Skip to main content

​
How Do I Activate My Lowe’s Credit Card?

If you just received your Lowe’s credit card, activating it is the first step before you can start earning rewards and enjoying special financing. The good news: activation takes less than 5 minutes. Here is exactly how to do it.

​
Quick Answer

To activate your Lowe’s credit card, visit lowes.syf.com/activate, enter your card number, verify your identity with the last 4 digits of your SSN, date of birth, and ZIP code, then create your online account. You can also activate by calling the toll-free number on the sticker on your card.

​
Method 1: Activate Online at lowes.syf.com/activate

Online activation is the fastest option. Follow these steps:
1

Go to lowes.syf.com/activate

Open your browser and navigate to the official activation URL provided by Synchrony Bank.
2

Enter your card number

Type the 16-digit number on the front of your Lowe’s credit card along with the CVV on the back.
3

Verify your identity

Provide the last 4 digits of your Social Security Number, your date of birth, and your billing ZIP code.
4

Register your online account

Create a username, password, and add your email address so you can log in and manage your card.
5

Submit and confirm

Review your information and click submit. You will see a confirmation screen when activation is complete.

​
Method 2: Activate by Phone

Prefer to talk to a real person or an automated system?
  1. Locate the activation sticker on the front of your new card.
  2. Call the toll-free number printed on that sticker.
  3. Follow the automated voice prompts or speak with a representative.
  4. Provide your card details and personal identification information.
  5. Your card is activated instantly.

​
What You Need Before Activation

  • Your new Lowe’s credit card
  • Last 4 digits of your SSN
  • Date of birth
  • Billing ZIP code
  • Email address
  • Internet or phone access

​
Common Activation Problems and Fixes

Re-check each digit. Make sure there are no extra spaces. If the problem continues, call Synchrony Bank customer service.
Your details must match what Synchrony has on file from your application. Contact customer service to update mismatched information.
Clear your browser cache, disable browser extensions, or try a different browser or device.
If it has been more than 10 business days since your approval, call Synchrony Bank to request a replacement.

​
After Activation: What’s Next?

Once your card is active, you can:
  • Use it in Lowe’s stores nationwide
  • Shop online at Lowes.com
  • Sign up for paperless statements
  • Enroll in autopay to avoid missed payments
  • Set up account alerts by email or text

Pay Your Lowe's Synchrony Bill

Every way to pay your Lowe’s credit card bill.

Is Lowe's SYF the Same as Synchrony?

Understand the relationship between Lowe’s and Synchrony Bank.