Prices, Promotions, styles, and availability may vary. Our local stores do not honor online pricing. Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Lowe's reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted.

Lowe's Business Credit Cards

5% OFF Every Day1

Exclusions apply.

24/7 Online Account Management

Discounted Delivery2

365-Day Returns3

Invoicing Options

Lowe's Business Advantage  

• Request multiple cards.

• Get itemized transactions and product-level details by invoice. 

• Download up to six months of activity in Excel, Quicken or QuickBooks. 

• 0% interest for 60 days** on new purchases. Minimum monthly payments required. Regular rates apply after the 60-day promotional period ends. 

• Approved Accounts are automatically saved to MVPs Pro Wallet for even more ways to earn.8

Business Rewards Card

• Use it at Lowe’s and everywhere American Express is accepted.

• Get $100 back upon approval. Terms apply. Cash back is earned automatically as a statement credit. 

• Plus earn 5% cash back on purchases at Lowe’s for the first six months and 2% back after. New accounts only.4* Also, cash back on every eligible purchase with your card.5

• No annual fee.

*Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or Lowe’s Gift Cards.

Lowe’s Commercial Account 

 • Get itemized transactions, SKU-level details, PO/job name and authorized buyer information. 

• Includes billing upon delivery. 

• Opt in for invoice PDFs delivered by email plus Net Payment Terms. 

• Extended Terms.*** Receive two billing cycles to pay for new purchases.

• Approved Accounts are automatically saved to MVPs Pro Wallet for even more ways to earn.8

Lowe’s PreLoad Discover® Card

• No credit checks.7 

 • Fund with a debit/credit card or business checking account. 

• Organize purchases by cardholder with customized categories.

Shop Lowe's and earn 5 times Lowe’s Business Rewards point in first 6 months of card membership.

Terms and Conditions

Credit Promotion Details: Offers are subject to credit approval and cannot be combined unless otherwise stated. We reserve the right to discontinue or alter the terms of these offers at any time.  


1.Subject to credit approval or PreLoad verification. Get 5% off your eligible purchase or order charged to your Lowe’s Business Advantage, Lowe’s Business Rewards, or Lowe’s Commercial Account or 5% statement credit on eligible purchase made with a Lowe’s PreLoad Card within 30 days of a settled transaction. Valid for purchases in Lowe’s US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Customer must pay applicable sales tax. Offer cannot be used in conjunction with or on: (i) other credit-related promotional offers unless otherwise stated; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to Contractor Packs, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Was:Now, Military Discount, employee discount, and Lowe’s Price Promise);  (iii) associate-discretion price adjustments; (iv) any services (such as but not limited to rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; (viii) Weber or Kichler products; or (ix) Lowe’s ProSupply purchases. Excludes Lowe’s Advantage Credit accounts, Lowe’s Visa® accounts and all Lowe’s Canada Credit products. We reserve the right to discontinue or alter the terms of this offer at any time.    


2. Must use Lowe’s Business Advantage, Lowe’s Commercial Account, Lowe’s Business Rewards Card or Lowe’s PreLoad Card. $20 discounted delivery applies to Lowe’s standard truck delivery only and is available to any jobsite or business within each store’s standard service area. Valid in store at Lowe’s or on Lowes.com only. Discounted delivery fee cannot be combined with 5% Off Every Day credit offer or any other discount offer.


3. Exclusions apply. See terms and conditions at Lowes.com/returns.   


4. Welcome offer not available to applicants who have or have had this card. We may also consider the number of American Express cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.


$100 Statement Credit 


Subject to credit approval. To qualify for this offer, you must apply and be approved for a new Lowe’s Business Rewards Card from American Express. Cash back will be received in the form of a statement credit within eight to 12 weeks. To receive the $100 statement credit, your account must not be canceled or past due at the time the statement credit is posted to your card account. For questions regarding your card account, please call the number on the back of your card.


Earn 5% Cash Back at Lowe’s 


You can earn 5% cash back on eligible purchases at Lowe’s during the first six months of card membership, starting from the date of account approval. That is 3% back (or three points) on top of the 2% back (or two points) you already earn per dollar spent on eligible purchases at Lowe’s. Your card account must not be canceled or past due at the time of fulfillment of any offers. Bonus points will appear on your Lowe’s Business Rewards statement eight to 12 weeks after you make an eligible purchase at Lowe’s on the card.


Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. Additional terms and restrictions apply. Eligible purchases can be made by the basic card member and any additional card members on a single card account. Additional card members on your account are not eligible for this offer.


In rare instances, your period to earn 5% cash back on eligible purchases at Lowe’s within your first six months starting from the date your account is approved may be shorter than six months if there is a delay in receiving your card. Also, purchases may fall outside of the six-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped.) Purchases made by both the basic and additional card members on the eligible card account are eligible for additional points. Please allow eight to 12 weeks after the qualifying purchase is charged to your card account for points to be posted to the account.  


If we in our sole discretion determine that you have engaged in abuse, misuse or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer(s) that we did not intend for you, if you cancel or downgrade your account within 12 months after acquiring it, or if you cancel or return purchases you made to meet the threshold amount), we may not credit the welcome offer to, we may freeze the welcome offer credited to or we may take away the welcome offer from your account. We may also cancel this card account and other card accounts you may have with us.


American Express reserves the right to modify or revoke offers at any time.


5. Lowe’s Business Rewards points (or Lowe’s Rewards) may be shown as % back or % cash back in marketing materials and can be redeemed for statement credits or Lowe’s Gift Cards. Each 100 Lowe’s Business Rewards points earned is equal to $1.


2% cash back (or two points) for each $1 spent on eligible purchases at Lowe’s stores, Lowes.com. 2% cash back equals two points for each $1 spent, which equates to $0.02 in Lowe’s Rewards.


2% cash back (or two points) for each $1 spent on purchases on your card account at restaurants located in the US, at office supply stores located in the US (office supplies purchased at other retail stores are excluded) and on monthly wireless telephone services purchased directly from US wireless telephone service providers (purchases of hardware and equipment are excluded; any purchases from third parties and resellers are excluded). 2% cash back equals two points for each $1 spent, which equates to $0.02 in Lowe’s Rewards.


1% cash back (or one point) for each $1 spent on all other eligible purchases. 1% cash back equals one point for each $1 spent, which equates to $0.01 in Lowe’s Rewards.

  

Points can be used to cover specific, eligible charges to receive statement credits on your account. Points can only be used toward the entire amount of an eligible charge.


Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do not include fees or interest charges, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, 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.


**Subject to credit approval. Reduced APR offer is automatic for purchases made starting on 1/7/22 with your Lowe’s Business Advantage account. No interest will be assessed on the promotional purchase for 60 days, but minimum monthly payments are required. Any remaining balance for these purchases at the time of the promotional period end date will be charged the purchase APR that applies to the account for these types of purchases. Regular account terms apply to nonpromotional purchases and, after promotion ends, to remaining promotional balances. For New Accounts: Purchase APR is 16.99% in Georgia and North Carolina; 21.99% in all other states. Existing cardholders: See your credit card agreement terms. Excludes Lowe’s Business Rewards Credit Card from American Express, Lowe’s Commercial Account, all Lowe’s Canada Credit products and the Lowe’s PreLoad Discover® prepaid card. We reserve the right to discontinue or alter the terms of this offer at any time.


***Subject to credit approval. Automatically receive two billing cycles to pay (also known as extended terms) for purchases made starting on 1/7/22 with your Lowe’s Commercial Account. Only charges that are not paid by the due date shown on your statement will be included in determining the daily past-due balances subject to finance charges. These charges will incur a finance charge from the due date shown on your billing statement. No finance charge is imposed if the account balance shown on your previous billing statement is zero or if the account balance is paid in full by the due date. Excludes Lowe’s Business Rewards Credit Card from American Express, Lowe’s Business Advantage, all Lowe’s Canada Credit products and the Lowe’s PreLoad Discover® prepaid card. We reserve the right to discontinue or alter the terms of this offer at any time.


7.This is not a credit card. Approval if you meet identification criteria.


8. Cards applied for while logged in to your Lowes.com Pro Business Account will automatically be saved to your digital Pro Wallet upon credit approval. Lowe’s will share your data to prefill the credit application.



Ask for one-time 20% off your in-store purchase. Up to $100 discount with this offer. Limited time only. Subject to credit approval. The 20% off is not automatic and must be requested at time of purchase. To qualify for this offer, you must apply in store and be approved for a new Lowe’s Business Rewards Card from American Express, Lowe’s Business Advantage or Lowe’s Commercial Account and make a purchase in store by 1/31/23. If you do not receive a credit decision the day you apply but are later approved, see the Pro desk and the offer will be fulfilled on your in-store credit purchase. The 20% discount will be applied after all other applicable discounts. Offer cannot be used in conjunction with or on: (i) 5% Off Every Day offer or any other credit-related discount offer; however, if the 5% Off Every Day discount offer is greater than $100, the greater discount will automatically be applied; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to Contractor Packs, Buy in Bulk, Quote Support Program (“QSP”), Special Value, New Lower Price, Was:Now, Military Discount, employee discount and Lowe’s Price Promise); (iii) associate-discretion price adjustments; (iv) any services (such as but not limited to rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; (viii) sales on Lowes.com; or (ix) Weber or Kichler products. Customer must pay applicable sales tax. Excludes Lowe’s Advantage Credit accounts, Lowe’s Visa® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter these terms at any time.


Lowe’s Business Rewards Card from American Express is issued by American Express National Bank. © 2022 American Express National Bank. 


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