Lowe's Business Rewards Card from American Express

Earning Rates

Key Benefits

All Benefits

• 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
• 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
• 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)
• Welcome offer: $100 statement credit after $1,000 in eligible purchases in the first 90 days of Card Membership (delivered as a statement credit, not as transferable points)
• No annual fee ($0) — sweet-spot value for contractors, property managers, landscapers, and small-business owners who buy supplies at Lowe's at any volume
• 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
• Free 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
• Pay Over Time: option to carry a balance with interest on eligible purchases of $100 or more rather than paying in full each month (standard Amex small-business charge-card flexibility); APR is variable and disclosed in the Schumer box at application
• 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
• 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)
• American Express Business Expense Management tools: QuickBooks data sync, Excel / .csv export, Year-End Summary of charges organized by category for tax and bookkeeping
• Amex Offers: targeted statement credit and bonus-points offers from merchants when you enroll and pay with the Card
• American 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
• 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
• 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
• Not Offered: Lowe's Business Rewards points are NOT Membership Rewards points — they do not transfer to airline or hotel partners; they are a closed-loop Lowe's currency redeemable only at Lowe's at 1¢ each
• Not Offered: no Centurion Lounge / Priority Pass / airline-lounge access (Business Platinum benefit)
• Not Offered: no Global Entry / TSA PreCheck application fee credit (Business Platinum benefit)
• Not Offered: no annual airline / hotel / streaming / wireless statement-credit suite (Business Platinum / Business Gold benefits)
• Not Offered: no Marriott Bonvoy or Hilton Honors elite status (Business Platinum benefit)
• Not Offered: no trip cancellation / interruption insurance and no trip delay insurance (Business Platinum benefit)
• Not Offered: no cell phone protection (offered on Chase Ink Business Preferred, Amex Business Platinum, and several U.S. Bank / Wells Fargo business cards, but not on Lowe's Business Rewards)
• Not Offered: no foreign transaction fees disclosure favorable — Lowe's Business Rewards card charges a 2.7% foreign transaction fee on purchases outside the U.S. per Amex disclosures; not an international-travel card
• Not Offered: no Fine Hotels + Resorts or The Hotel Collection booking benefits (Business Platinum benefit)
• Not Offered: no points transfer to airline or hotel loyalty programs — closed-loop Lowe's redemption only; do not consider this card a travel-rewards product