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Lowe’s Business Rewards Card

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For small to midsize business owners, this no annual fee Lowe’s Business card from American Express offers 5% off at Lowe’s, and earns points on a variety of purchases (including Lowe’s!). There’s no cap on what you’ll earn, and you’ll also get purchase protection and extended warranty on eligible purchases.

American Express is a Credit Card Insider advertiser.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 16.74%–25.74% Variable
Intro Purchase APR: 0% for 6 months

Lowe’s Business Rewards Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 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
Introductory Bonus
  • $100 cash back after card approval

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR 29.99% Variable
Late Fee Up to $39
Returned Payment Fee $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 2.7%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.24% Variable
Cash Advance Fee 3%, $5 minimum
How to Get a Cash Advance with a Credit Card
Lowe’s Business Rewards Card


  • 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 16.74%–25.74% Variable
  • No annual fee

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-445-6937 or

Try a different phone number
See all Issuer Cards

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 16.74%–25.74% 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.

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.

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