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.
|Authorized User Fee|
|Foreign Transaction Fee|
The Lowe's American Express 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 American Express 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
The standard sign up bonus for the Lowe's American Express 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.
There is no annual fee for the Lowe's American Express 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 American Express Business 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 American Express Business 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.
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.