Lowe's Rewards

Details on earning and redeeming rewards with Lowe's. Calculate total cash back or Lowe's Rewards Points based on spend and compare against top cards.

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 Credit Card Calculators

Learn about the earning rates, benefits, sign up bonus, and annual fees of Lowe's credit cards. Calculate how much cash back or how many Lowe's Business Rewards Points you can earn based on your spend and compare the results side by side any cards featured on the site.

Lowe's Credit Card

Lowe's Credit Card Calculator

Earns 5% back on in-store and online purchases with Lowe's or 6-month financing on eligible purchases. Card offers the option to choose between cash back or financing per purchase. Project financing is also available on $2,000+ purchases made to the card. No annual fee.
Lowe's American Express Business Card

Lowe's American Express Business Card Calculator

Earns 3 Lowe's Business Rewards Points per $1 on U.S. restaurant, U.S. office supply stores, and U.S. wireless phone provider purchases, 2 points per $1 spent at Lowe's and 1 point per $1 spent everywhere else. Benefits include 5% off Lowe's purchases, Lowe's Pro Services, and AMEX Business Card benefits. No annual fee.

Lowe's Business Rewards Points

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 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. American Express Gift Cards offer a lower value, but allows you to use your rewards outside of the set gift card options that gives you 1 cent in value.

Lowe's Business Rewards Points Value Calculator

Use the Lowe's Business Rewards Points Value Calculator to calculate the cash value of points earned with the Lowe's American Express Business Card.

Lowe's Rewards Points Value Calculator

Enter any amount of points to see the average cash value.
Gift Card Value
1 Cent Each
American Express Gift Cards
0.7 Cent Each

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.


Does Lowe's have a rewards program?

Lowe's has a few different "programs", but the only true rewards program is the one offered to Lowe's American Express Cardholders.

Is the Lowe's Credit Card Worth It?

Yes. The Lowe's Advantage Card and Lowe's AMEX Card both have a $0 annual fee which means you'll be able to partake in the benefits of both cards, including the 5% discount, for free.

How much are Lowe's Rewards Points worth?

Lowe's Business Rewards Points are worth 1 cents each. Points can only be redeemed for select gift cards.

Is the Lowe's Advantage or Lowe's AMEX Card better?

If you're looking for financing then the Lowe's Advantage is the better card. If you prefer a better return, the Lowe's AMEX is the winner because you'll earn a discount AND rewards points.

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