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Program Overview

Program Overview

Program Overview

  • Easy-to-understand itemized statements
  • Pay over time with low monthly payments, or pay in full
  • No annual fee
  • Robust job account management including account level itemized statements, and ability to pay by invoice
  • Pay in full each month
  • No annual fee
  • Earn savings and rewards both in and outside of Lowe's stores
  • Pay in full each month, or over time
  • No annual fee

Rewards and Redemption

  • Not available

Rewards and Redemption

  • Not available

Rewards and Redemption

  • Earn Rewards:
    • 3X points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
    • 2X points at Lowe's
    • 1X points on other purchases
    • Terms and limitations apply.1
    • Points can be redeemed for Lowe's Gift Cards and American Express® Gift Cards.

Purchasing Features

  • Purchasing Control, can only be used at Lowe's.
  • Ability to share credit lines between Linked Accounts

Purchasing Features

  • Purchasing Control, can only be used at Lowe's
  • Ability to share credit lines between Linked Accounts
  • Ability to limit dollar amount on a single purchase

Purchasing Features

  • Purchasing Flexibility, accepted at Lowe's and everywhere American Express® Cards are accepted
  • Ability to limit credit lines on individual Card Members2

Statements & Billing

  • Receive Individual or Consolidated Statements for Linked Accounts
  • Statements include itemized list of transactions and product-level details for each invoice

Statements & Billing

  • Receive Individual or Consolidated Statements for Linked Accounts
  • Statements include itemized list of transactions and product-level details for each invoice
  • Track purchases at Account User level
  • View signed invoice receipts online

Statements & Billing

  • Easily track purchases by Additional Card Member - View statement breakdown by Additional Card Member
  • Statements include itemized list of transactions
  • Ability to customize online statement
  • Set up Account Alerts to your mobile phone

Benefits and Savings

  • Discounted delivery on Lowe's purchases, and special Lowe's business offers throughout the year

Benefits and Savings

  • Discounted delivery on Lowe's purchases, and special Lowe's business offers throughout the year

Benefits and Savings

  • Discounted delivery on Lowe's purchases, and special Lowe's business offers throughout the year
  • OPEN Savings® Benefit3
  • Access to Purchase Protection4 and Extended Warranty5

Customer Service

  • Toll free customer service and Online account management

Customer Service

  • Toll free customer service and Online account management
  • Account Representatives dedicated to your account

Customer Service

  • Toll free customer service 24/7 and Online account management

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      Online Account Management
  • Account summary
  • Pay online
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Which type of Lowe's card do you have?

Lowe's Business Account
Lowe's Accounts Receivable
Lowe's Business Rewards Card from American Expres
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Having trouble deciding which Lowe's card is right for you? Try our card selector tool.

1 You will receive 1 Lowe's Business Rewards point ("point") for each dollar of eligible purchases on your Lowe's Business Rewards Card from American Express ("Card Account"). You will receive 1 additional point (for a total of 2 points) for each dollar of eligible purchases on your Card Account at Lowe's stores, and Lowes.com. You will receive 2 additional points (for a total of 3 points) for each dollar of eligible purchases on your Card Account at restaurants located in the U.S., at office supply stores located in the U.S. (office supplies purchased at other retail stores are excluded), and on monthly wireless telephone services purchased directly from U.S. wireless telephone service providers (purchases of hardware and equipment are excluded; any purchases from third parties and resellers are excluded).
Lowe's Business Rewards points can be redeemed for Lowe's® Gift Cards, American Express® Gift Cards, Gas Rewards Cards, and Outdoor Rewards Cards (Outdoor Rewards Cards retailers include L.L.Bean, Cabela's®, Austad's® and Bass Pro Shops®). Redemption starts as low as 2,500 points. All gift cards are available in $25, $50, and $100 denominations.

Eligible Purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents.

Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

2 Additional Card Spending Limits may be set up online or by calling the number on the back of your Card.  The Spending Limit is not a guarantee that the Additional Card Member will be able to make purchases up to that limit.  There are certain purchases where the limit does not apply such as restaurant tips and hotel stays extended beyond their original reservation period and the overall Account capacity is taken into consideration.  For more information on the application of the limit, please refer to the Spending Limit Terms & Conditions that will be included in the confirmation letter mailed to you after your limit is applied to each Additional Card.

3 The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides up to a 10% discount for each eligible dollar spent at OPEN Savings merchants.The discount is provided in the form of a statement credit. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits.All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit. The benefit may not be available at all OPEN Savings partner locations.. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com.. The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions, go to opensavings.com. Lowe's Business Reward Cards are not eligible for the Membership Rewards program,so terms and conditions on opensavings.com pertaining to the Membership Rewards option do not apply to Lowe's Business Rewards Card Members.

4 Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles, items stolen from a motor vehicle, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

5 Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of $10,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/EWterms.

Lowe's Business Rewards Card from American Express is issued by American Express Bank, FSB. ©2014 American Express Bank, FSB. All rights reserved.
Lowe's® and the gable design are registered trademarks of LF, LLC. All rights reserved.

Are you a Canadian customer looking for credit services? Please visit our Canadian site at Lowes.ca