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Lowe's Advantage Card offers 5% off purchases, points toward MyLowe's Money, and special financing options, while The Home Depot Consumer Credit Card focuses on promotional financing and limited-time offers. The Lowe's Advantage Card has a welcome offer of 20% off the first purchase and a standard APR of 28.99%, while The Home Depot Consumer Credit Card has a standard APR of 29.99%. The Lowe's Advantage Card is considered the better option.

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