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Business Credit Center

 

 

Lowe's Business Account

Lowe's Accounts Receivable

Lowe's Business Rewards Card
From American Express

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 rewards both in and outside of Lowe's stores
  • Pay in full each month, or over time. Balances may accrue interest charges
  • No annual fee
  • Rates and Fees
Rewards & Redemption
  • Not available
  • Not available
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 apply1
  • 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 control can only be used at Lowe's
  • Ability to share credit lines between linked accounts
  • Ability to limit dollar amounts on a single purchase
  • Accepted at Lowe's and everywhere American Express® cards are accepted
  • Ability to set spending limits for additional card members
Statements & Billing
  • Receive individual or consolidated statements for linked accounts
  • Statements include itemized list of transactions and product-level details for each invoice
  • Receive individual or consolidated statements for linked accounts
  • Statements include itemized list for transactions and product-level details for each invoice
  • Track purchases at account user level
  • View signed invoice receipts online
  • Easily track purchases and view statement breakdown by additional card member2
  • Statements include itemized list of transactions
  • Ability to customize online statement
  • Set up account alerts on your mobile phone
Benefits & Savings
  • Discounted delivery on Lowe's purchases and special Lowe's business offers throughout the year
  • Discounted delivery on Lowe's purchases and special Lowe's business offers throughout the year
  • Discounted delivery on Lowe's purchases, and special Lowe's business offers throughout the year
Customer Service
  • Toll-free customer service and online account management
  • Toll-free customer service and online account management
  • Account representatives dedicated to your account
  • Toll-free customer service 24/7 and online account management
More Details

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1You will receive one 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 one additional point (for a total of two points) for each dollar of eligible purchases on your card account at Lowe's stores and Lowes.com. You will receive two additional points (for a total of three points) for each dollar of eligible 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). 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 traveler’s 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.

2Employee 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 employee 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. You agree to pay all charges without regard to whether any charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any charges and/or when charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll employee card(s) in this feature.

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



Do Big Things With a Lowe’s Business Account and Lowe’s Business Credit Card

Keep costs low and profits high with Lowe’s Business Credit options made just for you. Lowe’s business customers can use their Lowe’s business card every time they shop and enjoy 5% off automatically, plus other perks like discounted delivery, itemized invoices and purchasing control. Choose a Lowe’s Business Account to pay invoices over time or get comprehensive account management with Lowe’s Accounts Receivable (LAR). A Lowe’s LAR account lets you track purchases, limit spending and gain more control over your budget and daily operations. Or go for a Lowe’s Business Rewards card to earn points on the supplies and services you use every day. No matter which credit card you choose, you’ll save more time and money at Lowe’s.


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