Lowe's Business Rewards Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 24.74% (Variable) (0% for the first 6 months)
Balance Transfer
1 - 3 points
Signup Bonus

Informr score
The Lowe's Business Rewards Card from American Express currently has an Informr score of 8 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Lowe's Business Rewards Card from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Amex Lowe’s Business Rewards Card is for businesses that want to capitalize on company spending in specific categories, like Lowe’s purchases or office supplies. That makes this a good credit card for home renovation projects and also a good credit card for contractors. The Lowe's Business Rewar...

- Kevin Payne, FinanceBuzz

A worthy credit card for the Lowe’s regular. It offers a helpful 5% discount each time you buy eligible items at the home improvements superstore. It also offers a variety of categories in which you can earn accelerated rewards. For all of this, you’ll pay a $0.00 annual fee.

- Finder
Doctor Of Credit

There are a lot of cards that earn at a higher rate on all purchases than this card does on just Lowe’s purchases. The sign up bonus is also exceptionally small. Because of all these factors I don’t recommend anybody signs up for this card.

- William Charles, Doctor Of Credit


Interest Rates
Regular APR Interest Rate 15.74% ‐ 24.74% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee 3%

Minimum of $5

Foreign Transaction Fee 2.7%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus

Get $100 cash back upon approval. Cash back is earned automatically as a statement credit.

All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills 3 points per $1 spent

On wireless telephone services purchased directly from US service providers.

Additional Details
  • 3 points per $1 spent on purchases made in office supply stores in the US
  • 2 points per $1 spent on purchases made in Lowe's
Features & Benefits
Additional Card Holders Yes

The maximum number of Additional Cards issued on each Account is 99.

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

- Baggage Insurance Plan

- Get a 5% discount every day from Lowe's on eligible Lowe's purchases.

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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