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  1. Credit Cards
  2. Lowe's Business Rewards
American Express

Lowe's Business Rewards

This card is built for small businesses that regularly buy from Lowe’s and want a no-annual-fee way to earn store rewards on those purchases. It works best as a specialist card for Lowe’s spending and a few business expense categories, not as a primary card for all business purchases.

Welcome Offer
5 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Frequent Lowe's business buyers
How to ApplyEstimate your value
Lowe's Business Rewards

All information about Lowe's Business Rewards has been collected independently by MaxRewards. Lowe's Business Rewards is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Lowe's Business Rewards worth it?

This card is great for...

Lowe's supply runs

Office and phone bills

No-fee business rewards

If your business spends consistently at Lowe’s, this card is easy to justify. You get 2% back in Lowe’s rewards on Lowe’s purchases, plus the same rate on dining, office supplies, and telecommunications, all with a $0 annual fee. That makes it a reasonable add-on card for contractors, property managers, maintenance teams, or small business owners who already shop there and want some extra return without paying for premium perks.

For most businesses, though, its appeal is narrow. The rewards are tied to Lowe’s points, not flexible cash back or transferable travel points, and the 1% rate on everything else is easy to beat. The foreign transaction fee also makes it a poor fit for international use. This is a practical store-focused business card, not an all-purpose business wallet card.

MaxRewards

MaxRewards Verdict

The Lowe's Business Rewards card makes sense for businesses that already spend heavily at Lowe’s and want simple no-fee rewards. Outside that lane, the rewards structure is too limited to make it a strong everyday business card.

Welcome Offer

5 Points

after you spend $1 on purchases on your new card in your first 6 months of card membership.

Est. Value

$0.05

Required Spend

$1

Time Frame

6 Months

Est. Value

$0.05

Required Spend

$1

Time Frame

6 Months

Earning

Rewards

This card earns Lowe’s rewards points, with the most value coming from Lowe’s purchases and a small set of common business spending categories. Think of it as a targeted earning card for store spend and routine bills, with a basic 1% return everywhere else.

CategoryRate

Dining

2%

Lowe's

2%

Office Supply

2%

Telecommunication

2%

Everywhere

1%

Rewards percent based on a valuation of 1¢ per Lowe's point

Benefits

More Benefits

Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Eligibility

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

20.99% - 29.99%

Variable

Cash Advance APR

29.99%

Variable

Foreign Transaction Fee

2.7%

Cash Advance

$5 or 3%

Late Payment

$39

Return Payment

$39

For rates and fees of Lowe's Business Rewards, please visit the American Express website.

Table of Contents

Lowe's Business Rewards

Lowe's Business Rewards

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5X5Xpoints on flights and prepaid hotels on AmexTravel.com
  • 5X2Xpoints on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 5X1Xpoints on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X4XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 5X3XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X5XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 5X5Xpoints on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 5X1Xpoints on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.