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Lowe's Business Rewards Credit Card

Lowe's Business Rewards Credit Card


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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 13.49% - 18.49%
  • Balance Transfer APR N/A
  • Cash Advance APR 25.49%
  • Penalty APR 27.49%
  • Annual Fee $0
  • Late Payment Fee $38
  • Cash Advance Fee $5 or 3% of value, whichever is greater
  • Returned Payment Fee $38
  • Foreign Exchange Fee 2.7%


  • Click "APPLY NOW" to apply online
  • 5% off every day at Lowe's
  • Earn 3x rewards at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers
  • Earn 2x points at Lowe's
  • Earn 1x points on other purchases 
  • Discounted delivery on Lowe's purchases and special Lowe's business offers throughout the year
  • Accepted everywhere that American Express Cards are accepted

Expert Reviews

From the Editorial Team

The Lowe’s Amex Business Rewards card lets companies earn rewards toward future Lowe’s purchases, and the card is accepted wherever American Express cards are honored.

Expert Reviews of the Lowe's Business Rewards Credit Card

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0


  • 3.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

Businesses can use this card to help manage business and employee purchases from Lowe’s, thanks to the itemized monthly invoices and the fact that additional employee cards carry no annual fee. The rewards are competitive, especially in the 3X categories. But the higher APRs connected to the card are rather hefty.

The Good

You earn 3X points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers. You earn 2X points at Lowe's, and 1 point per dollar spent on all other purchases. There is no annual fee, and the APR on purchases will be either 13.49%,15.49% or 18.49%, depending on your creditworthiness. That’s not bad, especially for those who qualify for the lowest rate of 13.49%.

The Not So Good

Rewards are only redeemable for gift cards that you can use toward business expenses, and you have to accumulate at least 2,500 points before you can redeem them. The APR for cash advances is 25.49%, which is steep, and there is also a cash advance surcharge of  either $5 or 3% of the amount of each cash advance, whichever is greater. There is also a foreign transaction fee of 2.7%.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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