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Notice of Important Changes to Your Lowe’s Business Rewards Card Account

American Express’ co-brand card relationship with Lowe’s is ending. As a result, your Lowe’s Business Rewards Card (“Card”) will be replaced with a credit card issued by Synchrony Bank (“Synchrony”). We expect that this will take place in April 2026 (“Replacement Date”).

In certain situations, your Card account may not be transferred to Synchrony. If that is the case, we will contact you with additional details.

Until the Replacement Date, you may continue to use your Card for purchases at Lowe’s and other merchants that accept American Express.

You will receive additional communications from Synchrony, which will provide details about the new Synchrony and Lowe’s co-branded card (“Replacement Card”) and the exact Replacement Date.

You can find answers to some questions about the transfer to the new Synchrony credit card below.

For any additional questions, please call the number on the back of your Card before the Replacement Date. Thank you for your Card Membership.

1. General FAQs

Can I keep using my current Card?

Yes, you may continue to use your Card until the Replacement Date. Beginning on the Replacement Date, your Lowe’s Business Rewards Card will no longer be valid for use. Although you will be able to use your Card until the Replacement Date, please note that your account will be subject to Synchrony’s terms and conditions starting April 9, 2026. Details will be provided by Synchrony.

What will happen to my American Express Lowe’s Co-Brand Card account at the end of the partnership?

Beginning on the Replacement Date, your current Card will no longer work and your Card will be replaced with a different credit card from Synchrony, which will include a new credit card number.

Will the Lowe’s 5% Discount continue to work?

Yes, you will continue to receive the Lowe’s 5% Discount on eligible purchases at Lowe’s until the Replacement Date.

What will happen to my Employee Card Members?

Beginning March 2, 2026, you will no longer be able to apply for additional Employee Cards on your Lowe’s Business Rewards Card account.

Employee Card Members will be able to use their Lowe’s Business Rewards Card(s) until the Replacement Date. Synchrony will provide further details about employee card issuance.

What will happen to my online access to my Card Account?

You will no longer have access to your Card Account at americanexpress.com or through the American Express App beginning on the Replacement Date. Before the Replacement Date, please download and save any billing statements that you would like to keep for your records.

What are the features and benefits of the new credit card from Synchrony?

You will receive more information from Synchrony about the terms, features and benefits of the Replacement Card in the coming months.

Will my new Replacement Card still be an American Express card?

The Replacement Card will not be issued by American Express National Bank; the Replacement Card will be issued by Synchrony. This means credit on the Replacement Card will be provided by Synchrony, the Card Member Agreement for the Replacement Card account will be between you and Synchrony, and Synchrony will be responsible for all customer service. However, you will find the American Express logo on the new Synchrony card because it will run on the American Express network, which means you will be able to use it to make purchases wherever American Express Cards are accepted.

After the transfer of your account, we understand you may be concerned that you will no longer enjoy the benefits and features that you have become accustomed to as an American Express Card Member. We remain dedicated to servicing you through the transition of your account to Synchrony.

What will happen to my account if it is not transferred to Synchrony?

In most cases, you will receive a notice from us before the Replacement Date notifying you if your account will not be transferred to Synchrony. However, in some cases, we may not be able to notify you until after the Replacement Date. If that is the case, you will be able to continue using your Card to make purchases after the Replacement Date, but the Lowe’s 5% Discount will no longer be available.

What will happen to my online account access and how can I access statements for my Lowe’s Business Rewards Card?

As of the Replacement Date, you will no longer have access to your Lowe’s Business Rewards Card account online at americanexpress.com. All requests for statements should be directed to Synchrony.

2. Rewards

Will I continue to earn Lowe’s Business Rewards points (“Points”) on my Card?

Yes. You will earn Points for the eligible purchases posted to your Card account through April 8, 2026.

Can I still redeem Points?

Yes. You can continue to redeem Points for statement credits or gift cards through April 7, 2026. After that date, you will no longer be able to redeem Points with American Express.

What happens to any unredeemed Points?

Any unredeemed Points associated with accounts transferred to Synchrony will be made available to eligible MyLowe’s Pro Rewards Organizations on a one-to-one basis in the form of MLPR Points (“MLPR Points”) subject to MyLowe’s Pro Rewards program (“MLPR”) terms and restrictions, including MLPR Point eligibility. These MLPR Points will expire December 31, 2026. You will receive additional information from Synchrony and Lowe’s shortly about how to access and redeem MLPR Points. You must be enrolled in MLPR within 90 days after the Replacement Date, or any unredeemed Points will be forfeited. If you are not already enrolled in MLPR, we urge you to enroll now at Lowes.com. Also, to ensure a smooth transition, we recommend adding your Card to your MLPR account.

Please note:

MLPR Points accrue to your Organization and only the Primary Admin of your Organization can redeem MLPR Points on behalf of your Organization.
MLPR Organizations that are not eligible for MLPR Points will receive the equivalent value for unredeemed points from Lowe’s and/or Synchrony.

Please see the MLPR Terms at Lowes.com for the definitions of Organization, Primary Admin, and additional details. If you need help enrolling in MLPR, please contact Lowe’s.

3. Payments

Where should I send my payments?

When you receive a statement from American Express, you should direct your payments to American Express by mail, phone, or online. You can also make payments in-store at Lowe’s until the Replacement Date. Beginning on the Replacement Date, payment options to American Express will be limited and you will need to use one of the following: payment by check or your bank’s online bill payment service.

When you receive a statement from the new issuer, Synchrony, you should direct your payments to Synchrony.

I use Autopay and/or scheduled payments. What happens next?

Bank information and settings from AutoPay payments and scheduled payments will not be transferred to Synchrony.

If you automatically pay your American Express bill using AutoPay, or if you schedule payments for the future using our scheduled payments option, please be aware that any payments scheduled to occur on or after the Replacement Date will be canceled by American Express.

I use recurring billing to pay certain merchants on a regular basis. What happens when my account is transferred to Synchrony?

Your Replacement Card from Synchrony will have a new account number. As a result, if you have your Lowe’s Business Rewards Card number on file with any merchants, online shopping carts, or digital wallets, you will need to update them with your new account number to arrange for future payments on or after the Replacement Date.

4. Card Membership Benefits and Insurance

What will happen to my Amex Offers?

If you are enrolled in any Amex Offers, only purchases made through April 8, 2026 will be eligible towards earning rewards associated with the offer(s).

What will happen to my CreditSecure® membership associated with my American Express Lowe’s Business Rewards card?

If you previously enrolled in CreditSecure with a Lowe’s Business Rewards Card, you must enroll an eligible American Express Card if you wish to continue membership in CreditSecure. Please call CreditSecure at 1-866-617-1893 at least two days prior to the Replacement Date to transfer enrollment to another eligible American Express Card.

If you don’t contact us to transfer enrollment, your CreditSecure membership will be terminated. If you are a monthly enrollee, your enrollment will be terminated and you will not receive a refund. However, you will be able to use CreditSecure through the end of the monthly enrollment period. You will not be billed for additional months after termination. If you are an annual enrollee, your enrollment will be terminated as of the Replacement Date and you will receive a prorated refund. Your membership in CreditSecure will no longer be valid and will be terminated effective immediately.

Following termination, you may re-enroll in CreditSecure with an eligible American Express Card at any other time.

If you have questions, please contact CreditSecure: 1-866-617-1893

Will I be provided a refund when my CreditSecure enrollment ends?

Only annual enrollees will be refunded fees covering the period following termination of enrollment. Refunds will be processed subject to the CreditSecure Terms and Conditions.

Can I pay for CreditSecure with the new credit card from Synchrony?

No. CreditSecure is exclusively available for American Express Card Members. Unless you have another eligible American Express Card and contact us to enroll your eligible Card on or before the Replacement Date, your CreditSecure membership will be terminated.

What will happen to my Purchase Protection, Extended Warranty, Car Rental Loss and Damage Insurance?

For eligible purchases made on your Card before the Replacement Date, these benefits will be honored by AMEX Assurance Company (subject to the terms and conditions in the Benefit Guide) even if the claim is first made and reported after the Replacement Date. You must, however, promptly contact AMEX Assurance Company to make claims. If you have questions, please call us at 1-800-228-6855 or visit us on the web or at americanexpress.com/PPterms; americanexpress.com/EWterms; americanexpress.com/CRLDIterms.

What will happen to my Global Assist Hotline®?

As soon as your membership as an American Express Card Member ends on the Replacement Date, the Global Assist Hotline will no longer be available.

What will happen to my Accident Guard, Accident Protection Plan, and Travel Medical Protection?

If you have previously enrolled in one or more of these products, enrollment will continue for the period of time for which you have paid a premium (your subscription period), even if that subscription period extends past the Replacement Date. At the conclusion of your subscription period, coverage will cease, unless you transfer billing to another eligible American Express Card. AMEX Assurance Company will honor claims made under these benefits for losses that occur prior to conclusion of the subscription period. You must, however, promptly contact AMEX Assurance Company to make claims. If you have questions, please call us at 1-800-228-6855.

What will happen to my Automatic Flight Insurance, Baggage Delay and Loss Protection, Executive Baggage Protection, Premium Baggage Protection, Premium Car Rental Protection (PCRP), Travel Assure/Travel Assure Classic, and Travel Delay Protection?

If you have previously enrolled in one or more of these products, and if the Lowe’s Business Rewards Card is your only American Express Card, your enrollment(s) will terminate with your Card Membership. (If you have other American Express Cards enrolled in this product, your enrollment(s) will continue on those Cards.) Benefits will be honored by AMEX Assurance Company for Covered Trips (Covered Rentals for PCRP) purchased with your American Express Card prior to termination of enrollment (subject to the terms and conditions in the Description(s) of Coverage), even if the Covered Trip(s) begin after the Replacement Date. You must, however, promptly contact AMEX Assurance Company to make claims. If you have questions, please call us at 1-800-228-6855.

If you have any additional questions that have not been addressed here, please call the number on the back of your card before the Replacement Date. Thank you for your Card Membership.