Lowe’s Business Rewards Card

For People with
Fair Credit

The information related to Lowe’s Business Rewards Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Lowe’s Business Rewards Card offers contractors a 5% discount on eligible purchases from Lowe’s as well as points for purchases.

If you’re approved for the card, you’ll get a $100 cash back signup bonus credited to your account within 8-12 weeks.

You’ll get 3X points per dollar at restaurants and office supply stores in the U.S., and on wireless telephone services purchased directly from U.S. service providers. You’ll get 2X points per dollar at Lowe’s, and 1X point per dollar on other purchases.

There’s also a 0% introductory APR for purchases for 6 months, and then your rate will be 17.74%–26.74% Variable.

This card has a $0 annual fee.

See our review and comparison of all the Lowe’s business cards in our Review of the Lowe's Business Credit Card Account Options.

Card Quick Facts

Card Quick Facts

  • 3X points per dollar spent on restaurants, office supply stores, and wireless telephone services in the U.S.
  • 2X points per dollar spent at Lowe’s
  • 1X point per dollar spent on all other purchases
  • $100 cash back after card approval
  • 5% off every day on eligible Lowe’s purchases
  • There is no limit to the amount of points you can earn
  • Get discounted delivery with Lowe’s ProServices
  • 0% introductory APR for purchases for 6 months, and then your rate will be 17.74%–26.74% Variable
  • No annual fee

For People with
Fair Credit

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Card Details



  • 3X points per dollar spent at:
    • U.S. restaurants
    • U.S. office supply stores
    • U.S. wireless telephone services
  • 2X points per dollar spent at Lowe’s
  • 1X point per dollar spent on all other purchases
How to Redeem

Introductory Bonus

  • $100 cash back after card approval
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 17.74%–26.74% Variable
Intro Purchase APR 0% for 6 months
Foreign Transaction Fee 2.7%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 3%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 5% Off

    On eligible Lowe’s purchases.

  • Lowe’s ProServices

    Includes discounted delivery, bulk rate pricing, and the Business Replenishment program.

  • Presale Tickets

    Get exclusive tickets on presale.

  • Entertainment Access

    Get first access to broadway shows, sporting events, and concerts in your area.

  • Lowest Hotel Rates Guarantee

    When you book a qualifying prepaid hotel rate on amextravel.com and find the same rate for the same room on the same dates elsewhere, you may be refunded the difference. Exclusions and terms apply.

  • Purchase Protection

    Purchases are covered for 90 days against theft or damage up to $1,000 per occurrence; not to exceed $50,000 in a calendar year.

  • Extended Warranty Protection

    Eligible warranties of five years or less can be extended by up to an additional year.

  • Travel Accident Insurance

    Provides coverage against accidental death and dismemberment when traveling by common carrier.

  • Car Rental Loss & Damage Insurance

    Coverage against damage and theft of eligible rented vehicles when you decline the rental company’s own insurance.

  • Baggage Insurance Plan

    If a common carrier loses your luggage or its stolen, this benefit provides secondary insurance to the applied primary insurance.

  • Global Assist Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Roadside Assistance Hotline

    Call 1-800-847-2869 if you need help while on the road, like a tow, locksmith, or tire change. Third party service fees apply.

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