Cash back · Other · No annual fee
Last verified 2026-09-09. Review issuer source
Synchrony Bank MyLowe’s Rewards is a no-annual-fee cash back card from Synchrony Bank. It earns 0% on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it returns about $0, an effective 0% back.
Compare it with the alternatives below before applying; nothing about its earning stands out.
Save 5% everyday at Lowe's
No welcome bonus is stored for this catalog entry yet.
5% Off Every Day or 6 Months Special Financing or 84 Fixed Monthly Payments.
Earn 1.25x points toward MyLowe's Money
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| MyLowe’s RewardsThis card | None | $0 | +$0 | 1066th of 1,291 |
| Verizon VisaSynchrony Bank's most-held other card · 4% on dining | None | $606 | +$606 | 10th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
