Lowes Business AMEX Card Calculator

Card Details & Lowe's Points Calculator
5% Everyday Lowe's Purchases
3X Restaurants
3X Office Supply Stores
3X Wireless Telephone Providers
2X Lowe's
Lowe's Pro Services

Review the details of the Lowe's Business Card, calculate how many Lowe's Business Rewards Points you can earn based on spend, and compare to top cards.

The Lowe's American Express Business Card is one of the best rewards cards for anyone that wants a great return on their Lowe's spending in-store and online. The card offers a great 5% discount on Lowe's purchases while still rewarding you with Lowe's Business Rewards Points when you run spend through the card. The Lowe's Business Card also grants access to Lowe's ProServices which includes additional perks like discounted delivery, bulk rate pricing, and more.

If you're looking to finance your Lowe's purchases, you'll want to consider the Lowe's Advantage Credit Card which offers 6-month financing and 84-month project financing.

Bonus Categories

The Lowe's Business Card features 4 bonus categories which are restaurants, office supply stores, U.S. wireless phone providers, and purchases at Lowe's. There is no limit to the amount of Lowe's Business Rewards Points you can earn using this card.

  • 3x U.S. Restaurants
  • 3x U.S. Office Supply Stores
  • 3x U.S. Wireless Phone Providers
  • 2x Lowe's
    • Includes shopping in-store or online with Lowe's.
  • 1x Non-Category

Perks & Benefits

The Lowe's Business Card doesn't come loaded with perks & benefits, but it does offer a very nice discount on Lowe's purchases as well as access to Lowe's ProServices.

  • 5% Off Everyday Lowe's Purchases
    • Discount will be applied at checkout; this is not a statement credit.
    • Applies to U.S. Lowe's stores, Lowes.com, and LowesForPros.com.
    • Cannot be combined with other coupons or special discounts; also does not apply to shipping, delivery, or assembly charges.
  • Lowe's Pro Services
    • Discounted Delivery
    • Bulk Rate Pricing
    • Business Replenishment Program
    • Full details on LowesForPros.com.
  • AMEX Business Benefits
    • American Express Business App
    • Account Manager
    • Account Alerts
    • Online Statements
    • Year-End Summary
  • Travel & Purchase Coverage

Sign Up Bonus (SUB)

The standard sign up bonus for the Lowe's Business Card is $100 cash back after approval. The cash back will be added to your account in the form of a statement credit. This is higher than the previous sign up bonus which offered 5,000 points after $100 in spend.


Annual Fee

There is no annual fee for the Lowe's Business Card. That means you will always get the best return when using this business card for purchases. This card usually features a 0% intro APR period as well.

Authorized User Fee

There is no fee for adding additional users to the Lowe's Business Credit Card. I recommend adding employees, family, or friends as authorized users in order to maximize the return on the bonus categories featured on this card.

Foreign Transaction Fee

The Lowe's Business Credit Card has a 2.7% foreign transaction fee. Since all the categories are U.S.-based and Lowe's is located in the United States, this shouldn't come as a surprise. I would not recommend using this card for foreign transaction since you will lose value out of your points faster than you can earn them.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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