Stuck deciding between a Home Depot and Lowe’s credit card? Our winner is Lowe’s Advantage Card thanks to its 5% discount on a wide variety of common purchases and extensive financing options. But the right one for you depends on your preference and spending habits. It can be tough to choose, so we make it easy for you by researching such factors as perks, credit score, return policies, and fees. This guide can help you decide which card fits your needs best.