Lowe’s Business Rewards Card from American Express Review for 2022

The Lowe’s Business Rewards Card from American Express is a prepaid card that can be used at any of the company’s stores or online. It offers discounts on service charges, fuel surcharges and more for everyone who purchases goods with it.

The “lowe’s american express” is a credit card that has been around for a while. It offers rewards to customers who spend money at Lowe’s stores or online.

The American Express Lowe’s Business Rewards Card is ideal for companies that buy at Lowe’s often. This is a rewards credit card that gives you access to Lowe’s ProServices, such as cheap shipping, bulk rates, and the business replenishment program. At Lowe’s, you may also get a 5% in-store discount on all qualified purchases.

American Express Lowe’s Business Rewards Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

At Lowe’s, you may get discounts and prizes.

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Secure Website of American Express

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APR on a regular basis

Variable 15.74 percent – 24.74 percent

Credit is required.

Excellent – Excellent

• Lowe’s is offering a 5% discount.
• Lowe’s ProServices may help you save money on delivery and other services.
• Earn 5,000 Lowe’s Business Rewards Points after spending $100 on the Card in the first 30 days of card membership.
• There is no yearly charge.
• Purchases are eligible for a six-month introductory APR of 0%. After that, your APR will be a variable rate, presently 17.24 percent to 26.24 percent, calculated at the time of account creation depending on your creditworthiness and other variables.
• Use this Card to earn points that you can use for gift cards and other business costs.
• 3X Points may be redeemed in restaurants and office supply retailers in the United States, as well as on cellular phone services bought directly from US service providers.
• Lowe’s Double Points
• On all other purchases, you’ll get 1X points.

Note: The information on the American Express Lowe’s Business Rewards Card was gathered by Fit Small Business and has not been approved or given by the card’s issuer.

Pros

• There is no yearly charge.
• Lowe’s is offering a 5% discount.
• Sign-up bonus of $100 in statement credit

Cons

• There is no introductory APR of 0%. 
• Transfers of balances are not permitted.
• After the initial time, Lowe’s offers low cash back incentives.

• Lowe’s ProServices: Take advantage of perks such as reduced shipping, bulk rate pricing, and the business replenishment program with Lowe’s ProServices.
• Purchase Insurance: Purchases that are stolen or damaged within 120 days after purchase are covered by the issuer (90 days for New York residents).
• Protection under the Extended Warranty: Get up to two years of extra coverage on goods with a five-year original manufacturer’s guarantee.

APR on a regular basis

Variable 15.74 percent – 24.74 percent

Credit is required.

Excellent – Excellent

• Lowe’s is offering a 5% discount.
• Lowe’s ProServices may help you save money on delivery and other services.
• Earn 5,000 Lowe’s Business Rewards Points after spending $100 on the Card in the first 30 days of card membership.
• There is no yearly charge.
• Purchases are eligible for a six-month introductory APR of 0%. After that, your APR will be a variable rate, presently 17.24 percent to 26.24 percent, calculated at the time of account creation depending on your creditworthiness and other variables.
• Use this Card to earn points that you can use for gift cards and other business costs.
• 3X Points may be redeemed in restaurants and office supply retailers in the United States, as well as on cellular phone services bought directly from US service providers.
• Lowe’s Double Points
• On all other purchases, you’ll get 1X points.

Note: The information on the American Express Lowe’s Business Rewards Card was gathered by Fit Small Business and has not been approved or given by the card’s issuer.

Pros

• There is no yearly charge.
• Lowe’s is offering a 5% discount.
• Sign-up bonus of $100 in statement credit

Cons

• There is no introductory APR of 0%. 
• Transfers of balances are not permitted.
• After the initial time, Lowe’s offers low cash back incentives.

• Lowe’s ProServices: Take advantage of perks such as reduced shipping, bulk rate pricing, and the business replenishment program with Lowe’s ProServices.
• Purchase Insurance: Purchases that are stolen or damaged within 120 days after purchase are covered by the issuer (90 days for New York residents).
• Protection under the Extended Warranty: Get up to two years of extra coverage on goods with a five-year original manufacturer’s guarantee.

How Do We Assess Business Credit Cards With Points?

We analyze the continuing and initial benefits when assessing points rewards business credit cards like the Lowe’s Business Rewards Card. The annual fee, introductory and continuing annual percentage rates (APRs), and other card advantages are also considered.

Who the American Express Lowe’s Business Rewards Card Is Right For

• Business owners who often shop at Lowe’s may take advantage of in-store savings, use the Lowe’s ProServices, and receive cash back on qualified Lowe’s purchases.
• Fix-and-flippers and contractors: The Lowe’s Business Rewards Card provides a 5% discount on qualified Lowe’s purchases, making it a convenient alternative for contractors and fix-and-flippers who need to shop for home improvement supplies on a regular basis.

American Express Lowe’s Business Rewards Card Fees

• APR for the first time: None
• Ongoing APR: Variable 15.74 percent to 24.74 percent, depending on prime rate.
• There is no yearly charge.
• There is a cost for transferring funds from one account to another.
• After conversion to US dollars, 2.7 percent of each transaction is charged as a foreign transaction fee.
• Cash advance fee: $5 or 3% of the amount borrowed, whichever is higher—cash advance APR is 25.24 percent.

American Express Lowe’s Business Rewards Card Rewards

• Upon acceptance, you will get $100 in cash back, which will be applied to your account immediately as a statement credit.
• For the first six months after creating an account, Lowe’s will give you 5% cash back on qualified purchases.
• 2 percent cash back at Lowe’s stores or online at Lowes.com or LowesforPros.com on qualified purchases
• Lowe’s is offering a 5% discount on certain purchases.
• 2% cash back at US restaurants and office supply businesses, as well as on cellular phone services bought straight from US service providers
• All other purchases will earn you 1% cash back.

Lowe’s Business Rewards points may be redeemed for statement credits or Lowe’s gift cards in exchange for cash back. Lowe’s gift cards come in amounts of $25, $50, and $100. Earning 100 Lowe’s Business Rewards points is worth $1.

American Express Lowe’s Business Rewards Card Additional Features

Lowe’s Professional Services

Cardholders have access to Lowe’s Professional Services, which provides discounted delivery, bulk rate pricing, the Business Replenishment Program, and dedicated account management. This feature is unique to this card, which is another reason frequent buyers at Lowe’s will benefit from this card.

Assistance on the Road

The Lowe’s Business Rewards Card provides a 24-hour Assistance on the Road hotline. Although the Assistance on the Road hotline comes at no additional cost, you’re responsible for the cost of any goods or services provided. The services available for a fee include towing, winching, jump-starts, flat tire change, lockout services, and limited fuel delivery.

Purchase Insurance

Items that were stolen or damaged within 90 days of the date of purchase are covered with Purchase Insurance up to $1,000 per incident and $50,000 per year. Items are eligible if they were charged entirely to your American Express credit card. Items that aren’t covered include animals, plants, consumables, tickets, motorized vehicles, fixtures, and preowned items.

Protection under the Extended Warranty

The American Express Lowe’s Business Rewards Card offers Protection under the Extended Warranty up to one additional year on items that come with an original manufacturer’s warranty of five years or less. This is limited to $10,000 per covered purchase, up to $50,000 per account per year. Only items that are charged entirely to your Lowe’s Business Rewards Card are eligible.

Plan for Baggage Insurance

The American Express Plan for Baggage Insurance provides coverage between $250 and $1,250 for carryon bags, checked bags, and high-risk items that are lost in direct transit. Some items aren’t included with this coverage, such as cash and its equivalent, credit cards, tickets, documents, animals, living plants, prosthetics, drugs, and property shipped as freight.

Car Rental Loss & Damage Insurance

Car rental loss and damage insurance is available from American Express for up to $50,000 per rental agreement. Only the first 30 days of an automobile rental agreement are covered under this policy. To be eligible, your credit card must have been charged in full for the automobile rental. Intentional damage, manufacture flaws, wear and tear, tire theft or damage, damage to any other vehicle, and damage to any property other than the rental car are not covered.

The Global Assist Hotline is available 24 hours a day, 7 days a

When you travel more than 100 miles from home, the Lowe’s Business Rewards Card offers you access to a 24-hour worldwide help hotline. This hotline may link you with emergency support and coordination services, such as medical, legal, and passport referrals, emergency cash wires, and aid with misplaced baggage. While this hotline is free to contact, you will be liable for any costs imposed by third-party providers.

Pros & Cons Explained

Pros of the American Express Lowe’s Business Rewards Card

• There is no yearly charge.: You can enjoy all of the benefits that come with owning a Lowe’s Business Rewards Card without having to pay annual fees.
• Lowe’s is offering a 5% discount.: This card offers a 5% discount on all eligible Lowe’s purchases, making this an excellent choice if you’re a frequent shopper at Lowe’s.
• $100 statement credit sign-up bonus: If you’re approved, you’ll get $100 back in the form of a statement credit.

Cons of the American Express Lowe’s Business Rewards Card

• There is no introductory APR of 0%.: This card doesn’t offer interest-free financing—this may be a disadvantage if you’re planning to make a large purchase.
• Balance transfers aren’t allowed: The American Express Lowe’s Business Rewards Card doesn’t allow balance transfers, which is a drawback for those who plan to transfer a balance from another credit card.
• Lowe’s offers low cash back beyond the introductory period: For the first six months, you may get 5% cash back on purchases purchased directly at Lowe’s; after that, you’ll only get 2%.

American Express Lowe’s Business Rewards Card Alternatives

Credit Card Chase Ink Business Cash®

For office-based enterprises, the Chase Ink Business Cash® card is a great option. Each year, you may receive 5% cash back on the first $25,000 you spend on office supply shops, internet, cable, and phone services combined. This is also a fantastic choice if you need to transfer a balance from another card since it supports balance transfers.

Credit Card Ink Business Cash®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Businesses that are headquartered in an office and wish to earn a lot of money back

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Chase’s Protected Website

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Intro APR

Purchases are tax-free., there is an introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn All other purchases will earn you 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is no yearly charge.
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase Insurance: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Intro APR

Purchases are tax-free., there is an introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn All other purchases will earn you 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is no yearly charge.
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase Insurance: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Business Platinum Card from U.S. Bank

The Business Platinum Card from U.S. Bank is an excellent choice if you need a credit card with a low APR. This card offers a 0% introductory APR for the first 18 billing cycles on both purchases and balance transfers, making it a good alternative for those who need to finance a large purchase or transfer a balance without interest for a longer period.

Business Platinum Card from U.S. Bank

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Purchases and balance transfers have a longer 0% APR term.

Apply Now

On the secure website of US Bank

Compare with

APR on a regular basis

Variable between 11.99 and 20.99 percent

• For the first 18 billing cycles, get a Introductory APR of 0%* on purchases and debt transfers. Then there’s the variable APR, which ranges from 11.99 percent to 20.99 percent right now.
• There is no yearly charge.*
• Employee cards are available at no cost.
• You’re protected against illegal transactions with zero fraud liability*.

Pros

• Offers a lengthy introductory rate of 0% APR.
• Purchases and balance transfers are both eligible for a 0% APR.
• There is no yearly charge.

Cons

• There are no initial or continuing incentives.
• Even during the promotional period, there is a balance transfer cost.
• To be considered, you must have an excellent credit score.

• Protection under the Extended Warranty: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
• Purchase Insurance: U.S. Bank offers Purchase Insurance for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

APR on a regular basis

Variable between 11.99 and 20.99 percent

• For the first 18 billing cycles, get a Introductory APR of 0%* on purchases and debt transfers. Then there’s the variable APR, which ranges from 11.99 percent to 20.99 percent right now.
• There is no yearly charge.*
• Employee cards are available at no cost.
• You’re protected against illegal transactions with zero fraud liability*.

Pros

• Offers a lengthy introductory rate of 0% APR.
• Purchases and balance transfers are both eligible for a 0% APR.
• There is no yearly charge.

Cons

• There are no initial or continuing incentives.
• Even during the promotional period, there is a balance transfer cost.
• To be considered, you must have an excellent credit score.

• Protection under the Extended Warranty: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
• Purchase Insurance: U.S. Bank offers Purchase Insurance for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

If you need to spend more than your credit limit, the American Express Blue Business CashTM Card is a terrific solution. This card gives you more purchasing power, which varies based on your spending habits, payment history, credit score, and financial resources. If you need to make a significant purchase, this is a fantastic option since it provides a 0% introductory APR for the first 12 months after establishing an account.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Apply Now

on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
• There is no yearly charge.
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is no yearly charge.

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
• There is no yearly charge.
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is no yearly charge.

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Visit our guide to the top American Express credit cards for more American Express options.

Conclusion

The American Express Lowe’s Business Rewards Card 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 There is no yearly charge.. If this isn’t what you’re looking for, visit our Credit Card Marketplace and check out our guide to the best small business credit cards to find other options.

The “lowe’s business rewards points redemption” is a card that gives users 2% back on every purchase. The card has an annual fee of $95 which is waived the first year.

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