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.
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
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.
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
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
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.
Dining
Lowe's
Office Supply
Telecommunication
Everywhere
Rewards percent based on a valuation of 1¢ per Lowe's point
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.
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.
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
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
Annual Fee
$0
Purchase APR
20.99% - 29.99%
Variable
Cash Advance APR
29.99%
Variable
Foreign Transaction Fee
$0.027
Cash Advance
$5
Late Payment
$39
Return Payment
$39
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
300,000 Points
Worth $4,500
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
200,000 Points
Worth $3,000
After you spend $15,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$375
Rec. Credit
Good
Terms Apply.
175,000 Points
Worth $2,625
After you spend $12,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$895
Rec. Credit
Excellent
Terms Apply.
