Which card should I use at Lowe's?
The Business Platinum Card® from American Express has its own rate at Lowe's. MyLowe's Rewards™ Credit Card gives a discount at Lowe's, not a rate. Every rate below was checked against the card issuer's or the store's own pages.
Cards are ordered by the value they earn per dollar here at our Balanced point values. The order is never paid for. Value per $100 assumes you have room left under any earning cap. Where a rate needs a membership, the value is for the first rate the row shows.
How purchases at Lowe's are counted
The MyLowe's Rewards card takes 5% off each eligible purchase or order charged to it. On each purchase you get either that discount or special financing, not both, and it does not apply to gift cards.
Cards at Lowe's
Cards with their own rate at Lowe's
| Card | What it earns here | Value per $100 |
|---|---|---|
| MyLowe's Rewards™ Credit Card | 5% off | $5.00 saved |
| The Business Platinum Card® from American ExpressBusiness | 2x pointsOn up to $2 million a year across the card's 2x purchase types. | $4.92 |
No annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| The Blue Business® Plus Credit Card from AmexBusiness | 2x pointsOn up to $50,000 a year across every purchase on this card, then 1x. | $4.92 |
| Citi Double Cash® Card | 2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank. | $4.60 |
| Chase Freedom Unlimited | 1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank. | $3.35 |
| Chase Ink Business UnlimitedBusiness | 1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank. | $3.35 |
| Capital One VentureOne BusinessBusiness | 1.5x miles | $3.27 |
| GM Rewards™ Mastercard® from Barclays | 3x pointsYou need a GM MyAccount to redeem GM Rewards points on GM websites, in GM mobile apps or through a GM vehicle. | $3.00 |
| American Airlines AAdvantage® MileUp℠ Card | 1x miles | $3.00 |
| Robinhood Gold Card | 3% cash backNeeds an active annual Robinhood Gold membership. | $3.00 |
Annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| Bilt Palladium Card | 2x points | $5.02 |
| Capital One Venture Rewards Credit Card | 2x miles | $4.36 |
| Capital One Venture BusinessBusiness | 2x miles | $4.36 |
| Capital One Venture X Rewards Credit Card | 2x miles | $4.36 |
| Capital One Venture X Business CardBusiness | 2x miles | $4.36 |
| Air France KLM Visa Signature | 1.5x miles | $3.75 |
| United Club℠ Business CardBusiness | 1.5x miles | $3.45 |
| Citi Strata Elite℠ Card | 1.5x points | $3.45 |
Other cards earn here too. Check the cards you hold in Which Card.
A card is listed only once we have read its rate on the issuer's or the store's own page.
Questions
- Can I combine the Lowe's 5% with special financing?
- No. On each purchase you choose the 5% off or the special financing offer.
Sources
- MyLowe's Rewards™ Credit Card
- The Business Platinum Card® from American Express
- The Blue Business® Plus Credit Card from Amex
- Citi Double Cash® Card
- Chase Freedom Unlimited
- Chase Ink Business Unlimited
- Capital One VentureOne Business
- GM Rewards™ Mastercard® from Barclays
- American Airlines AAdvantage® MileUp℠ Card
- Robinhood Gold Card
- Bilt Palladium Card
- Capital One Venture Rewards Credit Card
- Capital One Venture Business
- Capital One Venture X Rewards Credit Card
- Capital One Venture X Business Card
- Air France KLM Visa Signature
- United Club℠ Business Card
- Citi Strata Elite℠ Card
- Lowe's