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No Annual Fee

Rates and Fees


Earn 5,000 Lowe's Business Rewards points
Earn 5,000 Rewards Points after spending $100 or more in the first 30 days of Card Membership.

In addition, earn a $75 Statement Credit after spending an additional $200 in the first 30 days of Card Membership.¹

Offer valid only at Lowe’s US stores,, or Offer valid on applications received between 10/03/2018- 11/07/2018

Plus, get a 0% introductory APR for 6 months on purchases. After that, your APR will be 17.74%-26.74% based on your creditworthiness and other factors.

Apply NowGet a decision in as little as 60 seconds

Sample Card Member Savings at Lowe's

  • Tools/Supplies
    Estimated Cost:
    Estimated Savings:
  • Building Materials
    Estimated Cost:
    Estimated Savings:
  • Appliances
    Estimated Cost:
    Estimated Savings:

Calculate rewards

Build up your business with accelerated rewards²

Use everywhere American Express® Cards are accepted

Estimate your business spending per month using the sliders to calculate your estimated monthly and annual points earned.
There is no limit to the amount of points you can earn.

points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
0 Points/Month
$ 0
points at Lowe's
0 Points/Month
$ 0
points on other purchases
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Total Annual Points

Terms and limitations apply.² Points can be redeemed for Lowe's Gift Cards and American Express® Gift Cards.

Redeem the points you get for the rewards you want

Visit for more information.²

Lowe's Gift Card

gift card

$25 Gift Card starting at just 2,500 points.

Gas Rewards Card

gas card

$25 Gift Card starting at just 2,500 points.

Outdoor Rewards Card

(Use at Cabela's®, Bass Pro Shops®, Austad's®, and L.L. Bean)

gift card

$25 Gift Card starting at just 2,500 points.

American Express® Gift Card

gift card

$25 Gift Card for just 3,500 points.

Card Membership benefits for you and your business