American Express
Lowes Benefits, Credits & Annual Fee
No annual fee
The Lowe's Business Rewards Card from American Express is a no-annual-fee business card that earns 2% cash back at Lowe's, U.S. restaurants, U.S. office supply stores, and wireless carriers, plus 1% on everything else.
- 2%Online Shopping
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Lowes at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- American Express
Lowes Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Dining | 2x | |
| Online retail | 2x | |
| Everything else | 1x |
Who Should Get the Lowes?
The Lowes fits people who spend most on dining (2x) and online retail (2x). It has no annual fee, so it costs nothing to keep. It is a business card.
Is the Lowes Worth It?
The Lowes has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Lowes Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Lowes. Its value comes from its rewards and other benefits on this page.
Lowes Travel Benefits
Rental Car
- Car Rental Loss and Damage Insurance
Covers damage to or theft of a rental car when you reserve and pay with your card and decline the rental company's collision damage waiver (CDW). Coverage is secondary, meaning it kicks in after your personal auto insurance. Not available for rentals in Australia, Italy, or New Zealand.
Checked Jul 4, 2026
More Lowes Card Benefits
Bonus Earnings
- 2% Cash Back at Lowe's2%
Earn 2% cash back (2 points per $1) on eligible purchases at Lowe's. It applies automatically when you pay with your card in Lowe's stores or on Lowes.com. Only eligible purchases earn the 2% rate.
Checked Oct 9, 2026
Purchase Protection
- Extended Warranty
Extends the original manufacturer's warranty by up to one additional year on eligible purchases. Use your card to buy the item, and the extension applies automatically to warranties of five years or less. Only covers purchases made in the United States or its territories.
Checked Jul 4, 2026 - Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the date you bought the item. Pay with your card and the protection applies automatically - no separate enrollment needed. Coverage limits apply, so check your benefit terms for per-item and annual maximums.
Checked Jul 4, 2026
Concierge & Membership
- Global Assist® Hotline
Get 24/7 emergency assistance coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage help. Call the hotline anytime you're on the road and need help navigating an unexpected situation. You're responsible for any costs charged by third-party service providers.
Checked Jul 4, 2026 - Relationship Care® Service
Gives you access to American Express's Relationship Care® service, connecting you with customer service representatives trained to support business cardholders. Reach the team by phone to get help with account questions, card management, or other business needs.
Checked Jul 4, 2026
Lowes vs Other American Express Cards
- Amex Blue Business CashNo annual fee
- Amex Blue Business PlusNo annual fee
- Amex Business Green$95 / yr
- Marriott Bonvoy Business$125 / yr
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Lowes FAQs
Is the Lowes Amex Card worth the annual fee?
Compare Lowes's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Lowes?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Lowes. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Lowes Amex Card?
American Express's July 4, 2024 Lowe's Business Rewards agreement lists no annual membership fee. This is evidence for that Amex product, not a claim that Lowe's current MyLowe's Pro Rewards card is the same account; check your latest agreement and notices.
Does the Lowes Amex Card come with a welcome bonus?
Welcome offers for Lowes can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Lowes Amex Card?
Lowes may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Lowes Amex Card compare to other American Express cards?
Compare Lowes with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.