Lowe’s Business Rewards Card

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

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

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  • Rewards
    • Earn 3 points for every $1 spent on restaurants, office supply stores, and wireless telephone services in the U.S.
    • Earn 2 points for every $1 spent at Lowe’s
    • Earn 1 point for every $1 spent on all other purchases
    • There is no limit to the amount of points you can earn
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 2.7%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR 25.24% (Variable)
  • Penalty APR 27.24% (Variable)
  • Late Fee Up to $38
  • Returned Payment Fee $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 5% Off: From Lowe’s on certain Lowe’s purchases
  • OPEN Savings® Benefit: 5% discounted credit when your card is used for eligible purchases with OPEN Savings partners.
  • Lowe’s ProServices: Includes Discounted Delivery, Bulk Rate Pricing, and the Business Replenishment Program.
  • Additional Card Spending Limits
  • ReceiptMatch℠ with QuickBooks


  • Purchase Protection: Purchases are covered for 90 days against theft or damage.
  • Extended Warranty Protection: Eligible warranties of 5 years or less can be extended by up to an additional year.

American Express Benefits

  • This card comes with American Express benefits. You will be provided with a list of specific benefits when you get your card.

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