Does Lowe’s Accept American Express? (Your Complete Guide)

Lowe’s offers a wide variety of payment options when purchasing products in-store, online, or on its mobile app. There are many payment options, but is American Express among these, and if so, can you benefit from using Amex in Lowe’s?

I researched whether Lowe’s accepts American Express, what benefits there are if Amex is accepted, and what other payment methods exist!

Does Lowe’s Accept American Express?

Lowe’s does accept American Express credit cards. Amex can be used in Lowe’s physical stores, its website, and its mobile app. Also, Amex has a Lowe’s business rewards card available, which gives customers discounts on products and services and gives 5% cashback on purchases for six months.

Continue reading to learn more about the American Express Lowe’s business rewards card and other payment methods Lowe’s accepts!

When Can I Use American Express at Lowe’s?

American Express is an accepted payment method for all Lowe’s purchases in-store and online.

However, when shopping in a store, you must bring the card itself, as Apple Pay and Google Pay (Samsung Pay is accepted) are not accepted in-store or online.

Additionally, you can use American Express to pay for the following at Lowe’s:

  • General merchandise (including furniture, decor, equipment, tools, and more)
  • Gift cards
  • Installation or delivery fees
  • Lowe’s Protection Plans (for major appliances, outdoor equipment, power tools, plumbing, heating, and more)
  • Building supplies
  • Appliances (fridges, freezers, ranges, washers, dryers, washing machines, and more)
  • Flooring
  • Paint

Does Lowe’s Accept American Express Gift Cards?

Does Lowe's Accept American Express Gift Cards?

American Express gift cards are valid at any store or online retailer that accepts American Express regularly, and so these gift cards are accepted at Lowe’s.

Additionally, customers can use their American Express gift card to cover just part of a purchase or the entire cost.

Remember, make sure you bring a backup payment method in case there is an outstanding amount.

What Are the Benefits Of Using American Express at Lowe’s?

You can acquire a Lowe’s Business Rewards Card, which is an American Express business credit card.

With that, the APR on purchases with the card is a variable rate: 15.74% – 24.74% depending on your credit score. However, this APR will vary with the market based on the prime rate.

Moreover, there are benefits if you use this card at Lowe’s, such as Lowe’s ProServices, including discounted delivery, bulk rate pricing, and Lowe’s business replenishment program.

Also, you can get 5% off on eligible Lowe’s purchases. Additionally, you can get 5% cashback at Lowe’s within the first six months and 2% after the first six months.

What Other Payment Methods Does Lowe’s Accept?

Other payment methods that can be used in-store, on the website, or on the mobile app at Lowe’s include:

  • Visa
  • Mastercard
  • Discover cards
  • Cash
  • Debit Cards
  • Paypal
  • Lowe’s gift cards
  • Samsung Pay

With that, Lowe’s gift cards can be purchased in-store, online as an e-gift card, or mailed to the customer, and they can range in amounts between $5-$2000.

Alongside the American Express Lowe’s Business Rewards Card, Lowe’s offers various other credit cards.

For example, the Lowe’s Advantage card allows you to make 84 fixed monthly payments with reduced APR on eligible products.

Apple Pay and Google Pay are not accepted in any physical Lowe’s location.

To know more about Lowe’s payment options, you can also read our posts on whether Lowe’s accepts PayPal, whether Lowe’s takes Apple Pay, and also if Lowe’s takes checks.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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