How does SwipeCaddy pick the best card at Lowe's?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Lowe's's card-acceptance rules, so the "best" card is one you can actually use at the register.

Is the MyLowe's Rewards Credit Card worth getting just for Lowe's?

It tops our Lowe's ranking at 5% with no annual fee, which is a rare combination in this list — the next-best rate costs $95 a year and still works out to about 3% cash. The caveats to know: rewards apply at U.S. merchants only, and the rate is flat rather than a bonus category. For regular Lowe's shoppers, it is the clear pick.

Do I need a different card when I shop Lowe's online instead of in store?

No. Our rankings for Lowe's are the same in store and online, with the MyLowe's Rewards Credit Card first in both channels. One practical detail: the Apple Card's 2% depends on paying through the mobile wallet, so confirm that option is available wherever you check out. Otherwise, pick once and use the same card everywhere.

Best cards at Lowe's

MyLowe's Rewards Credit Card earns the most at Lowe's right now at 5%.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#15%
MyLowe's Rewards Credit Card
Synchrony · Store card · No annual fee · U.S. merchants only · No bonus category
5%
2
#23%
Bank of America Customized Cash Rewards
Bank of America · Visa · No annual fee · Choose this category · up to $2,500/qtr (combined) · Lower rate after the cap
3%
3
#33x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
4
#45x
Choice Privileges Select Mastercard
Wells Fargo · Mastercard · $95/yr
5x
5
#53x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
6
#62x
The Business Platinum Card from American Express
American Express · Amex · Business · $895/yr · up to $2,000,000/yr (combined) · Lower rate after the cap
2x
7
#72%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
8
#82%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
9
#92x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
10
#102%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%

Online

Good to know at Lowe's

Lowe's takes cards on every major network, in store and online, so the question is purely which card earns most. The MyLowe's Rewards Credit Card leads at 5% with no annual fee. The runner-up, the Choice Privileges Select Mastercard, advertises 5x, but we value those points at roughly 3% cash, and it carries a $95 annual fee — a reminder that a point is not automatically a cent.

The ranking is identical whether you check out in the aisle or online, but the fine print below the top spot varies. The Bank of America Customized Cash Rewards pays 3% only if you choose this category, and a combined cap lowers the rate afterward. The Apple Card's 2% requires paying through the mobile wallet, and the two no-annual-fee American Express business cards earn their rate only up to $50,000 a year.

If the MyLowe's card is not in your wallet, a flat 2% card is the sensible floor, and this list has several no-annual-fee ways to get there. Paying a fee just for Lowe's is harder to justify: the Spark Cash Plus charges $150 a year for the same 2%, and the Business Platinum Card from American Express costs $895 for 2x that we still value at 2%, with a combined cap on top.

The math

Spend $250 a month at Lowe's and MyLowe's Rewards Credit Card returns about $150 a year at our valuations — a flat 2% card returns $60.

Common questions

What is the best credit card at Lowe's?: MyLowe's Rewards Credit Card earns the most at Lowe's right now at 5%.
How does SwipeCaddy pick the best card at Lowe's?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Lowe's's card-acceptance rules, so the "best" card is one you can actually use at the register.
Is the MyLowe's Rewards Credit Card worth getting just for Lowe's?: It tops our Lowe's ranking at 5% with no annual fee, which is a rare combination in this list — the next-best rate costs $95 a year and still works out to about 3% cash. The caveats to know: rewards apply at U.S. merchants only, and the rate is flat rather than a bonus category. For regular Lowe's shoppers, it is the clear pick.
Do I need a different card when I shop Lowe's online instead of in store?: No. Our rankings for Lowe's are the same in store and online, with the MyLowe's Rewards Credit Card first in both channels. One practical detail: the Apple Card's 2% depends on paying through the mobile wallet, so confirm that option is available wherever you check out. Otherwise, pick once and use the same card everywhere.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.