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Details

Credit Card

  • Option to carry a balance each month with interest
  • 13.24%,15.24% or 18.24% APR on purchases

Lowe’s Business Rewards

  • 3X points at restaurants and office supply stores in the U.S., and on wireless telephone services purchased directly from U.S. service providers
  • 2X points at Lowe’s
  • 1Xpoints on other purchases
  • Terms and limitations apply. Points can be redeemed for Lowe’s Gift Cards and American Express® Gift Cards.

Annual Fee

$0

Includes:
  • $0 annual fee for each Additional Lowe’s Business Rewards Card

Good For

  • Rewards

    Lowe’s Business Rewards

    Redeem points for gift cards that you can use toward business expenses:
    Lowe’s Gift Cards American Express Gift Cards Gas Rewards Cards Outdoor Rewards Cards

    Redemption starts as low as 2,500 points.

    Travel benefits image
  • Access to Benefits

    Travel benefits image

    Car Rental Loss and Damage Insurance

    As a Card Member, you can be covered if your eligible rental car is damaged or stolen when you use your eligible Card to reserve and pay for the entire eligible auto rental and decline the collision damage waiver at the rental car counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. This product provides secondary coverage and does not include liability coverage.

    Purchase Protection

    When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions.

    Baggage Insurance Plan

    Travel more comfortably knowing you can be covered by the Baggage Insurance Plan when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, helicopter, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

    Global Assist® Hotline

    When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.

    Roadside Assistance Hotline

    Your car dies or blows a tire and you’re stranded. Now what? Luckily you’re a Card Member. With Roadside Assistance Hotline you can call us in case of emergency for reliable coordination and assistance service to help get you on your way. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.

    Travel Accident Insurance

    Travel Accident Insurance can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a Common Carrier (plane, train, ship, helicopter, or bus) when the entire fare** has been charged to the eligible Card. Please read important exclusions and restrictions.

    OPEN Savings®

    Boost the savings you get from the Lowe's Business Rewards Card with the built-in OPEN Savings benefit. It's designed to automatically give you up to a 10% discount credited to your statement when you use your Card for eligible purchases with OPEN Savings partners including FedEx, Hertz®, and more.

    Extended Warranty

    With Extended Warranty you can shop with less worry knowing the terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of 5 years or less that are eligible in the U.S. Please read important exclusions and restrictions.

  • Benefits with Every Business Card from American Express OPEN

    Dispute Resolution

    We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying the charge until your case is resolved.

    ReceiptMatchSM

    ReceiptMatch is a feature included with Business Cards from American Express OPEN that digitally matches and stores images of your receipts to your online statement so you can easily manage them from anywhere using your desktop or mobile devices.

    Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card spending and more.

    Authorized Access

    Appoint one of your associates to help manage your account, choosing from two levels of access that are tailored to your needs.

    Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

    Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps make it easier to manage your Card account whenever it’s convenient for you.

    American Express Open benefits

    OPEN Forum®

    OPEN Forum is an online community for small business owners to exchange experiences, advice, tools and tips to inspire each other to take action and succeed.