Where to log in to your Lowe's credit card account
The Lowe's credit card is issued by Citi, so you log in through Citibank's portal, not through Lowe's itself. Go to citi.com and select "Log In" at the top of the page. From there, choose "Credit Cards" and enter your username and password. If you do not have an online account yet, you will need to set one up first by providing your card number, Social Security number, and other identifying information.
Once you are logged in, your Lowe's card account appears alongside any other Citi credit cards you hold. You can view your balance, recent transactions, due date, and available credit from the main dashboard. The account works the same way whether you opened the card at a Lowe's store or online.
Key Takeaways
- Log in at citi.com under the Credit Cards section, not at Lowe's.com, because Citi is the card issuer.
- You can make a one-time payment, set up automatic payments, or pay by phone at the number on the back of your card.
- Payments made online typically post within one to two business days.
- If you forget your password, use the "Forgot Username or Password" link on the Citi login page to reset it by email or phone.
How to make a payment after logging in
After you log in, select your Lowe's card account and look for a "Make a Payment" or "Pay Now" button, usually near the top of the account summary. You can choose to pay your full balance, the minimum payment, or a custom amount. Enter the payment method — you can pay from a checking or savings account, or use another credit card, though paying from a bank account is standard.
Citi will show you the payment date before you confirm. Payments made before 8 p.m. Eastern Time on a business day usually post the next business day. If you pay after that time or on a weekend, the payment posts the following business day. You will receive a confirmation number when ready after you submit the payment.
Setting up automatic payments
If you want to stop logging in each month, you can set up automatic payments from your bank account. Log in to your Citi account, go to the "Payments" or "Billing" section, and select "Automatic Payments" or "Autopay." You choose the amount — full balance, minimum payment, or a fixed dollar amount — and the day of the month you want it to come out.
Automatic payments reduce the risk of missing a due date, which protects your credit score. You can change or cancel the automatic payment at any time by logging back in. If your balance changes significantly or you close the account, you should review your autopay settings to make sure they still fit your situation.
Paying by phone or mail
You do not have to pay online. The back of your Lowe's credit card lists a phone number you can call to make a payment by phone. A representative will walk you through the process and you can pay from a bank account or another card. Payments made by phone are processed the same way as online payments.
You can also mail a check to the address shown on your monthly statement. Write your account number on the check and mail it to the payment address listed — not to a Lowe's store. Mailed payments take longer to post, usually five to seven business days, so send them early if your due date is coming up.
What to do if you cannot log in
If you forget your username or password, go to citi.com and click "Forgot Username or Password" on the login page. Citi will send you a reset link by email or text, depending on what you choose. You will need to verify your identity by answering security questions or providing information from your card.
If you have never set up an online account, you will need to register first. Have your Lowe's card number, date of birth, and Social Security number ready. The registration process takes a few minutes and you can start making payments when ready after.
Understanding your payment due date and grace period
Your payment due date appears on your monthly statement and in your online account. Citi gives you a grace period — usually 21 to 25 days from the end of your billing cycle — before interest charges explore to new purchases. If you pay your full statement balance by the due date, you avoid interest on those purchases.
If you pay only part of your balance, interest starts accruing on the unpaid amount right away. The interest rate for the Lowe's card varies based on your creditworthiness and current market rates. Check your statement or account for your current APR.
Frequently Asked Questions
How long does it take for a payment to show up?
Online payments typically post within one to two business days. Payments made by phone are processed the same way. Mailed checks take five to seven business days. If you are close to your due date, pay online or by phone to avoid a late payment.
Can I pay my Lowe's card at a Lowe's store?
No. Lowe's stores do not accept credit card payments. You must pay online through Citi, by phone, or by mail. Some Lowe's locations have kiosks, but these are for other services, not credit card payments.
What happens if I miss my due date?
A late payment will be reported to credit bureaus if it is 30 days past due, which can lower your credit score. You may also face a late fee. If you miss a payment, log in and pay as soon as you can to limit the damage. Contact Citi if you are having trouble making the payment.
Can I change my payment due date?
Yes. Log in to your Citi account and look for a "Billing" or "Account Settings" section where you can request a due date change. Citi usually allows you to move your due date within a certain range, such as between the 1st and 28th of the month.