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Lowe's Business Rewards Card from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.49% ‐ 28.49% (Variable)
Interest Rate: Purchases
19.49% ‐ 28.49% (Variable)
Balance Transfer
Balance Transfer
1 - 3 points
1 - 3 points
Signup Bonus
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 4 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...


This card is the best fit for a small business owner who is OK with redeeming the Lowe's Business Rewards points they earn for gift cards. In fact, gift cards are your only redemption choice with this card, with no options for statement credits or applying points toward travel purchases.

- Kevin Payne, FinanceBuzz
Fit Small Business
Fit Small Business

The Lowe’s Business Rewards Card from American Express is best for business owners, contractors, and fix-and-flippers who shop frequently for home improvement products at Lowe’s. This rewards card comes with perks and in-store discounts and charges no annual fee.

- Benilyn Formoso - Suralta, Fit Small Business

The Lowe's Business Rewards Card from American Express is 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 th...

- Kevin Joey Chen, Finder
Doctor Of Credit
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 19.49% ‐ 28.49% (Variable)

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

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 28.99% (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.
  • Plus, Earn 5X Lowe's Business Rewards Points on eligible purchases made on your Card at Lowe's in the first 6 months of card membership.
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

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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