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

Rec. Credit Score

Excellent

Good For

Frequent Lowe's business buyers

Estimate your value

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 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

Time Frame

6 Months

Est. Value

$0.05

Required Spend

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

Lowe's

Office Supply

Telecommunication

Everywhere

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.

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

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

Purchase APR

20.99% - 29.99%

Variable

Cash Advance APR

29.99%

Variable

Foreign Transaction Fee

$0.027

Cash Advance

Late Payment

$39

Return Payment

$39

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

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

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The Business Platinum Card® from American Express

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

Worth $3,000

After spending $20,000 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. Learn more.

5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold Card

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

Worth $2,000

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.

4%Top Two Eligible Categories
3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®

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

Worth $1,750

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.