Lowe's Business Rewards Card from American Express
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn a $100 statement credit after spending $1,000 in eligible purchases on the Card within the first 90 days (3 months) of Card Membership (~$100 cash equivalent; standard public offer per americanexpress.com; Lowe's Business Rewards points themselves are redeemed at a fixed ~1¢/point at Lowe's, so the welcome is delivered as a statement credit rather than as bonus points to keep the dollar value honest).
Benefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- Charges foreign transaction fees
This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.
Based on this card's terms last verified May 2026.
Earning rates
4- 5x
5X Lowe's Business Rewards points per $1 spent at Lowe's in the U.S. (in-store and online at lowes.com / lowesforpros.com), effectively a 5% return on Lowe's purchases when points are redeemed at face value at Lowe's
- 3xdining
3X Lowe's Business Rewards points per $1 spent at U.S. restaurants (including takeout and delivery in the U.S.), at U.S. gas stations, at U.S. office supply stores, and on U.S. wireless telephone services purchased directly from service providers
- 1xeverything else
1X Lowe's Business Rewards points per $1 on all other eligible purchases, no category caps on any earning tier (verified per Amex product disclosures and TPG / UpgradedPoints reviews)
- 5x
Most popular value play: contractors and trades who spend $20K+ per year at Lowe's earn ~$1,000 in 5X-redeemable credit annually at $0 ongoing cost, beats the 2% flat-cashback business cards for any Lowe's-heavy spend pattern
Statement credits
1- Amex Offers
Amex Offers: targeted statement credit and bonus-points offers from merchants when you enroll and pay with the Card
Perks & memberships
2- Authorized usersFree Employee Cards at no additional annual fee, employee spend earns at the same 5X/3X/1X rates and rolls back into the primary cardmember's Lowe's Business Rewards account; spending limits and Account Manager controls available
- Card networkAmerican Express network acceptance, accepted at Lowe's, most U.S. gas stations, restaurants, and office supply chains; international acceptance lags Visa/Mastercard but is non-issue for a Lowe's-centric card
Travel & purchase protections
4- Car Rental Loss and Damage Insurance (secondary in the U.S., primary outside the U.S.) when you reserve and pay with the Card and decline the rental company's collision damage waiver; terms apply
- Purchase Protection on eligible new purchases against accidental damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence and $50,000 per cardmember account per calendar year; terms apply
- Extended Warranty: up to 1 additional year added to eligible original manufacturer's warranties of 5 years or less, up to $10,000 per item and $50,000 per cardmember account per calendar year, useful for tools and appliances bought at Lowe's
- Global Assist Hotline: 24/7 medical, legal, financial, and emergency coordination and referral services when traveling more than 100 miles from home (third-party costs are cardholder's responsibility)
More benefits & fine print (3)ShowHide
- Lowe's Business Rewards points are redeemed at a fixed 1¢ per point directly at Lowe's, points appear in your Lowe's Business Rewards account and can be applied at checkout in-store or online toward purchases at Lowe's
- Expanded Buying Power: spend above your assigned credit limit on eligible one-time purchases, the limit flexes based on credit profile, payment history, and account spend rather than acting as a hard cap
- Pairing play: Lowe's Business Rewards stacks with a Lowe's Pro/MyLowe's Rewards loyalty account at the register, earn Amex points AND the merchant loyalty rewards on the same purchase
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
How we verified this card (1 source)ShowHide
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How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the $100 statement credit bonus.
See the Current Offer
Earn $100 statement credit
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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