Does Lowe’s Do Cash Back? (Limits, Fees, Debit Cards + More)

Each Lowe’s store can have hundreds of customers every day. If you’re one of those people, you may want to know about the cash back services Lowe’s offers and whether it’s available online or in-store.

Also, you may be considering which card you could use to request cash back. Well, I’ve done the research for you, so continue reading to find out what I’ve discovered!

Does Lowe’s Do Cash Back In 2024?

You can get cash back at Lowe’s on typical debit card transactions as of 2024. However, it is important to note that you can’t get cash back in-store with a Lowe’s credit card. Instead, Lowe’s offers a flat 5% discount.

For more information about Lowe’s cash back policy and its limits, fees, and what debit cards to use, keep on reading!

Does Lowe’s Offer Cash Back With A Debit Card?

Yes, Lowe’s offers cash back at the register with a debit card. However, you may have to wait a while if an employee doesn’t have enough cash in the register to give back to you.

In this instance, a manager may ask you to wait while they retrieve the amount you want.

If you are in a rush, it may be a good idea to ask if they have the amount in the register before payment. Then, if you have to wait, you can choose to find a nearby ATM instead.

Does Lowe’s Cash Back Have Any Limits?

According to if you use the Citi Double Cash Card at Lowe’s, there are no limits on what you can claim cash back on or to what extent you use it.

However, depending on what card you use, some may have a cap on the amount of cash back you can receive.

Does Lowe’s Cash Back Have Any Fees?

Does Lowe's Cash Back Have Any Fees?

Using the Citi Double Cash Card at Lowe’s, you can claim 2% cash back on all purchases with no annual fee.

And in addition to this, Citi would waive your first late fee if you should miss a payment. 

Can I Get Lowe’s Cash Back Online?

Yes, you can get Lowes cash back online if you use an online shopping portal, which could save you upwards of 5% on qualifying purchases.

With that, these savings can be just as good as using a Lowe’s credit card, offering the same savings on some purchases.

Which Debit Cards Can You Claim Cash Back On At Lowes?

While you cannot claim cash back on Lowe’s credit card, you can claim a 5% discount when using the card at Lowe’s.

That said, it can be a good idea to get a Lowe’s credit card if it’s available. And, if you’re planning on using Lowe’s credit card often, you could stand to save a lot.

Can I Get Cash Back At Other Home Improvement Stores?

Home Depot, similar to Lowe’s, allows customers to claim cash back on debit card transactions while shopping in-store.

Also, Home Depot doesn’t offer cash back while using its credit card service, the Home Depot Consumer Credit Card.

Instead, Home Depot offers alternate benefits such as an initial zero-percent interest rate for six months on purchases above $299.

Additionally, Home Depot is offering rewards to its customers, including discounts and statement credit for certain purchases.

To know more about Lowe’s, you can also read our posts on whether or not Lowe’s accepts American Express, if Lowe’s accepts Afterpay, cash usage trends, and if Lowe’s accepts PayPal.


Lowes does offer cash back for purchases made in-store with a debit card. Certain credit cards offer cash back without fees or limits.

However, this isn’t available with the Lowes Credit Card, which gives users a flat 5% discount on all purchases.

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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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