Lowe’s Business Rewards Card
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The Lowe's Business Rewards Card is a cash back credit card designed for business owners who shop at Lowe’s. You get a 5% discount on Lowe’s purchases when you use your card. For the first 6 months, you’ll earn 5% cash back on Lowe’s purchases and 2% cash back thereafter. You’ll also earn elevated rewards at U.S. restaurants, U.S. office supply stores, and wireless telephone services purchased directly from U.S. service providers.
You can use this card anywhere American Express is accepted, but your rewards are issued through Lowe’s Business Rewards points and can only be used at Lowe’s (statement credits or gift cards). Still, if you spend a lot of money at Lowe’s, this card is a no-brainer. We dive into the details and your approval odds in this Lowe's card review.
Welcome Offer
Earn 5% Cash Back in the first 6 months on eligible purchases at Lowe's. Earn 2% cash back thereafter. New accounts only.
Our Rating
4.0/5.0
Welcome Offer
Earn 5% Cash Back at Lowe’s
Annual Fee
$0
0% on Purchases
N/a
Reward Rate
1% to 5%
0% on Balance Transfers
N/a
Welcome Offer
Earn 5% Cash Back in the first 6 months on eligible purchases at Lowe’s. Earn 2% cash back thereafter. New accounts only.
Features & Benefits
| Security | EMV Chip Enabled, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 2.7% of each transaction after conversion to US dollars. |
| Regular APR | 20.99% - 29.99% (V) APR |
Insurance
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 an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
What Credit Score Is Required to Get the Lowe's Business Rewards Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 786
Average Approved Credit Score: 786
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/27/2023 | TransUnion |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 5% cash back
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
U.S. Bank Business Leverage® Visa Signature® Card
Rating
4.5
Rewards Range
1% to 5% cash back
Annual Fee
$0 intro annual fee the first year, $95 thereafter
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0