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Lowe's Business Rewards Card from American Express

A rewarding way to manage your business. Pay in full or over time.

  • Start earning savings and rewards both in and outside of Lowe's stores.
    • 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.




Learn more about Lowe's Business Rewards Card from American Express features:

Business Rewards Program

  • 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.

Annual Fee

  • No annual fee

Payment Terms

  • Pay in full each month, or over time

Periodic Lowe's Offers

  • Lowe's may periodically mail Lowe's merchandise and other promotional offers to active commercial credit account holders throughout the year

OPEN Savings® Benefit3

  • Automatically get up to a 10% discount credited to your statement when you use your Card for eligible purchases with OPEN Savings partners.
  • Learn more and see all OPEN Savings partner offers at opensavings.com

Lowe's Discounted Delivery

  • Receive discounted delivery on your Lowe's purchases.
    See Store for details.

Lowe's Ordering Options

  • Use your account for ordering Lowe's merchandise via phone, fax or online

Access to Purchase Protection4

  • Shop with confidence and Purchase Protection4, which can protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.

Fraud Protection

  • Fraud protection ensures that you won't be held responsible for any fraudulent charges made to your Account

Access to Extended Warranty5

  • With Extended Warranty5 you can shop worry-free knowing the terms of the original manufacturer's warranty can be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.

Easily track purchases by Additional Card Member

  • View statement breakdown by Additional Card Member.

Monthly Statement Transaction Detail

  • Store location
  • Store phone number
  • Invoice number / date
  • Purchase order number on Lowe's purchases (if supplied at time of purchase)
  • Usage by Card Member

Payment Tracking

  • At account and individual Card Member levels

Purchase Tracking

  • At Card Member level

Usage Locations

  • Purchase flexibility to use the account at Lowe's and anywhere American Express® Cards are accepted

Account Access

  • The Card Member must have their physical Credit Card in order to make a purchase.

Credit Line Assignment

  • Ability to assign specific lines at Card Member level6

Credit Center Customer Service

  • Toll free customer service

Account Alerts

  • Set up account to receive purchase alerts, balance updates and payment reminders via mobile phone or email

Account Designee Access

  • Ability to assign a "designee" for online and phone access to account information and manage the account

Online Account Management

  • Pay online
  • View and redeem Lowe's Business Rewards points
  • View and print up to 6 months of prior statements
  • View activity since last statement date
  • Sort transaction activity by employee, time period or expense category
  • Create customizable spending reports that can be graphed in pie or bar charts
  • Request credit line increases
  • Manage/request Cards for Card Member
  • Update company profile information
  • Contact credit customer service via secure message center
  • Download up to 24 months of account activity to Excel® or Quickbooks®
      Online Account Management
  • Account summary
  • Pay online
Credit Log InFirst Time Users

Which type of Lowe's card do you have?

Lowe's Business Account
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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. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.  Card Member is responsible for all shipping and handling costs associated with merchandise returns which may be required for claim processing. For more information, see www.americanexpress.com/purchase.

5 Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.  Card Member is responsible for all shipping and handling costs associated with merchandise returns which may be required for claim processing. For more information, see www.americanexpress.com/warranty

Lowe's Business Rewards Card from American Express is issued by American Express Bank, FSB.  ©2013 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