Lowe's Business Rewards Card from American Express vs United Explorer Card

Common questions

Which card has the bigger sign-up bonus, Lowe's Business Rewards Card from American Express or United Explorer Card?

The United Explorer Card has the bigger bonus, 70,000 miles + 10,000 AU bonus, worth roughly $1,040, versus $100 statement credit (~$100) on the Lowe's Business Rewards Card from American Express.

Is the Lowe's Business Rewards Card from American Express's $0 annual fee worth it compared to the United Explorer Card?

The Lowe's Business Rewards Card from American Express has no annual fee, so the question is whether the United Explorer Card's $150 fee is justified by its perks. If you'll use enough of the United Explorer Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the Lowe's Business Rewards Card from American Express.

Can I have both the Lowe's Business Rewards Card from American Express and United Explorer Card?

Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Lowe's Business Rewards Card from American Express or the United Explorer Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Lowe's Business Rewards Card from American Express: $1,000 spend in 3 months. United Explorer Card: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.