MyLowe’s Rewards

Each status offers a new level of benefits, enhancing the rewards you get for your purchases.

Additional Disclaimers

¹MyLowe’s Rewards Program has different membership levels (each a “Status”), which is based on a User’s cumulative or accrued spend on Eligible Purchases within a given Program Period. Status for subsequent Program Periods will be determined by the previous year’s annual Eligible Purchase spend. Silver Key Status activation for credit cardholders may require saving card to Lowe’s digital wallet. More Terms & restrictions apply. See Lowes.com/mylowes-rewards-terms for details. Subject to change.

²My Points are awarded on eligible purchases for orders that have been settled and fulfilled. Exclusions, restrictions, and more terms apply. Details at Lowes.com/mylowes-rewards-terms. Subject to change.

MyLowe’s Money: NO CASH BACK. Nontransferable. MyLowe’s Money is not a credit, debit or gift card; it has no implied warranties. MyLowe’s Money can be redeemed during the stated redemption window with any other discounts, offers, or coupons. Limit of 5 per transaction. Void if altered, defaced, copied, transferred, or sold (thru any on-line auction or otherwise). MyLowe’s Money will be applied after all other applicable discounts, coupons, taxes and fees have been applied. MyLowe’s Money may not be redeemed or used on (1) gift cards, including Lowe’s-branded gift cards; (2) payments to a Lowe’s credit card or any third-party charge account; (3) on any Lowe’s branded website operated by a 3rd party; or (4) Weber, Kichler or Miele products. Returns: for merchandise purchased with MyLowe’s Money return value will be applied first to payment method and any remaining value will be returned as MyLowe’s Money to customer’s Wallet. Valid in U.S. only. Subject to change. Lowe’s reserves the right to withdraw MyLowe’s Money at any time for any reason. See Lowes.com/mylowes-rewards-terms for details.

***MyLowe’s Rewards Free Standard Shipping: Applies to eligible items in contiguous U.S. only. Threshold calculated after applicable discounts, before taxes, installation, additional delivery & extended protection fees, if any. Restrictions & more terms apply. See https://www.lowes.com/l/help/free-shipping for details.

*5% Off Your MyLowe’s Rewards Credit Card Purchase: Subject to credit approval. 5% offer applies to eligible US Lowe’s store and Lowes.com purchase or order after all other applicable discounts charged to your MyLowe’s Rewards Credit Card. Customer must pay applicable sales tax. Offer can’t be used in conjunction with or on: (i) other credit-related promotional offers; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Was:Now, Military Discount, Employee Discount, and Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s Canada Credit Accounts. We reserve the right to discontinue or alter the terms of this offer at any time.

**No Interest if Paid in Full within 6 Months. Offer applies to purchase or order of $299 or more on your MyLowe’s Rewards Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required. No interest will be assessed on the promotional purchase if you pay the promotional purchase in full within 6 months from the purchase date. If you do not, interest will be assessed on the promotional purchase from the purchase date. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payment may or may not pay off purchase by end of promotional period. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Subject to credit approval.

For New MyLowe’s Rewards Credit Card Accounts: As of 3/7/24, Purchase APR is 31.99% and Penalty APR is 36.99%. Minimum interest charge is $2.00. Existing cardholders should see their credit card agreement for their applicable terms. Only 1 credit related promotional offer can be applied to any one item on a sales receipt. The “purchase date” for an item is the date it is charged to your account. Your account will be charged immediately for an item, unless otherwise provided on your order sales receipt. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s Canada Credit Accounts. 

^◊Subject to credit approval. To qualify for this offer, you must apply, be approved, and use a new MyLowe’s Rewards Credit Card to make a purchase now through 1/31/25. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to apply discount (barcode) at time of in-store purchase. Accounts opened online, via Text-to-Apply, or QR code: you will receive a one-time coupon/promotional code, which may be used in store or online. If you do not receive a credit decision the day you apply, but are later approved, a 20% coupon will be provided via mail with your new card. The 20% discount will be applied after all other applicable discounts. Offer can’t be used in conjunction with or on: (i) 5% Off Every Day offer, Special Financing, or any other credit-related offer; however, if the 5% Off Every Day discount offer is greater than $100, the greater discount will automatically be applied; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Was:Now, Military Discount, Employee Discount, & Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products. Coupon is not redeemable for cash, not transferable & can’t be replaced if lost or stolen. Void if altered, defaced, copied, transferred, or sold (thru any on-line auction or otherwise). Customer must pay applicable sales tax. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s Canada Credit Accounts. We reserve the right to discontinue or alter these terms at any time.