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Lowe's Business Rewards Card from American Express vs Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The Lowe's Business Rewards Card from American Express comes from American Express at $0/yr; the Upgrade Triple Cash Rewards Visa from Upgrade at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Lowe's Business Rewards Card from American Express | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $100 statement credit | $200 statement bonus |
| Bonus value (est.) | $100 | $200 |
| Min spend to unlock bonus | $1,000 in 3 mo | $0 in 2 mo |
| Issuer | American Express | Upgrade |
| Card category | business | cash-back |
| Best earning category (Lowes) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Lowe's Business Rewards Card from American Express
$0/yr · $100 statement credit
Read the full review
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, Lowe's Business Rewards Card from American Express or Upgrade Triple Cash Rewards Visa?
- The Upgrade Triple Cash Rewards Visa has the bigger bonus, $200 statement bonus, worth roughly $200, 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 Upgrade Triple Cash Rewards Visa?
- The Lowe's Business Rewards Card from American Express has no annual fee, so the question is whether the Upgrade Triple Cash Rewards Visa's $0 fee is justified by its perks. If you'll use enough of the Upgrade Triple Cash Rewards Visa's benefits to clear $0 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 Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (American Express and Upgrade) 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 Upgrade Triple Cash Rewards Visa 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. Upgrade Triple Cash Rewards Visa: $0 in 2 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.