Lowe's Rewards | Benefits, Credit Cards & Point Calculators

Lowe's Rewards

Get the details on earning/redeeming rewards with Lowe's primary credit cards, calculate how many points you can earn, and compare results to top cards.


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Program Details

Lowe's is an American retail company that focuses on home improvement and they are headquartered in Mooresville, North Carolina. They have over 2,000 locations scattered across the United States & Canada. Lowe's is the second-largest hardware chain in the United States and second-largest hardware chain in the world, with Home Depot leading both categories.

Lowe's Rewards Points Calculators

Lowe's offers several different credit cards that offer various benefits ranging from cash back to discounts to monthly financing. The only Lowe's credit card that offers rewards points is the Lowe's American Express Business Card.

Lowe's Business Rewards Points

Lowe's Business Rewards Points are worth 1 cents each when redeemed for most gift cards. Gift card options include:

  • Lowe's Gift Cards
  • Gas Rewards Cards
  • Outdoor Rewards Cards
    • L.L. Bean
    • Cabela's
    • Austad's
    • Bass Pro Shops
  • American Express Gift Cards (0.7 cents)

Gift card redemptions start at 2,500 for a $25 gift card. You can redeem your points for gift cards in $25, $50, or $100 denominations.

Lowe's Points Value Calculator

You can use the Lowe's Points Value Calculator below to calculate the cash value of Lowe's Business Rewards Points. It will also output the number of $25 gift cards you can squeeze out of the amount of points you entered.

Lowe's Business Rewards Points Value Calculator
Points
# of $25 Gift Cards
2,500 Points
0 Gift Cards
Points Value
1 Cent Each
$0

Lowe's 5% Discount

You will receive a 5% discount when you use the Lowe's Credit Card, Lowe's American Express Business Card, or Lowe's PreLoad Card to make purchases in-store at Lowe's or online through either Lowes.com or LowesForPros.com.

The 5% discount on both the Lowe's Credit Card and Lowe's American Express Business Card will be applied immediately at checkout. It will be applied after any other applicable discounts and cannot be used in conjunction with coupons, Lowe's military discount, Lowe's employee discount, Lowe's low price guarantee, and just about every other special discount.

The 5% discount on the Lowe's PreLoad Card will be applied as a monthly statement credit. Once you statement ends, the 5% discounts you received throughout the previous month will be credited back to your card.

Credit Card Rewards Calculators

If you're looking to earn rewards shopping at Lowe's, they offer one personal store credit card and one business AMEX Card. The Lowe's Advantage Credit Card is a store card that offers a discount on Lowe's purchases and provides both 6-month special financing and 84-month fixed financing for large projects. The Lowe's American Express Business Card offers the same discount, but can also be used anywhere AMEX is accepted to earn Lowe's Rewards Points which are redeemable for various gift cards. Both cards are great options for anyone that spends big at Lowe's.

Compare lowes credit cards
Compare credit cards side by side based on spend, benefits and fees.

You can click on any of the Lowe's credit cards below to learn about the bonus categories, perks & benefits, standard sign up bonus, and fees of the card. Each Lowe's credit card also has it's own Lowe's rewards calculator. The calculator will calculate how many points or how much cash back you can earn and the cash value of the credit card based on your monthly/yearly spend, how much each card benefit is worth to you, and the fees of the card. You can compare the results side by side any credit card featured on the site. Any spend you enter into the Lowe's credit card calculators will carry over to all credit card calculators on the site, so there's no need to re-enter spend when jumping page to page.

Comparison Calculators

Comparison Calculators features side by side comparisons of frequently compared credit cards or comparisons requested through our YouTube channel. These calculators are already set up so you can immediately start calculating total rewards as well as the cash value of the compared cards based on your monthly/yearly spend, how much the card benefits are worth to you, and the annual fees. Comparison Calculators does not allow you to change the designated cards being compared. If you want to compare credit cards outside of the comparisons listed below, I recommend searching for the credit card you want to compare and then using its calculator to compare it against anything featured on the site.

Guides, Deals, and Useful Links

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Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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