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Lowe’s creates loyalty program designed with your home in mind — here’s how to earn more on purchases

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As a homeowner, I know the projects (and expenses) never quite end. To keep up with it all, I find it important to know of every money-saving opportunity. While sales are important to keep an eye on, rewards programs are another everyday way to be strategic about the money you spend.

For home improvement purchases, Lowe’s offers a loyalty program and a credit card that can really help. With summer projects upon us, here’s a deeper look into the MyLowe’s Rewards program and the MyLowe’s Rewards Credit Card, which give customers many opportunities to save on eligible everyday purchases they need for their homes.


Earning perks with MyLowe’s Rewards

All customers, with or without a Lowe’s credit card, are eligible to enroll in MyLowe’s Rewards¹, a three-tiered loyalty program that offers exclusive perks and allows members to earn points on eligible home improvement purchases. Whether you’re a millennial looking to make the most of your new home or a baby boomer renovating to make your home more accessible heading into retirement, MyLowe’s Rewards offers many benefits for all homeowners.

Once you join, you’ll get access to special benefits like free members-only gifts, complimentary Lowe’s DIY-U kids and garden workshops, personalized and exclusive offers, and early sales notifications. Points earned on eligible purchases accumulate toward MyLowe’s Money² that you can spend at Lowe’s, and there are point booster opportunities so you can earn rewards faster.

Members are invited to share more about their personal interests — such as whether they’re gardeners or new homeowners — to earn additional points and unlock personalized shopping recommendations and deals. Lowe’s also offers point booster opportunities that celebrate members in other unique ways, such as recently awarding all members 100 points following Lowe’s partnership announcement with star soccer athlete Lionel Messi.

And from now until July 31, members will earn MyLowe’s Money faster, as every 500 points you earn gets you $5 in MyLowe’s Money.


Those used to frequent flyer programs may be excited to know that the MyLowe’s Rewards program has elite status tiers with more perks the higher you go. If you start at Bronze Key, the first tier within the program, you’ll earn 1 point per dollar spent and receive free standard shipping*** (excluding Alaska and Hawaii) on eligible purchases of $35 or more.

If you spend $500 to $1,999 on eligible purchases each year, you’ll receive Silver Key status. With that status, you’ll earn 1.25 points per dollar spent and free standard shipping (excluding Alaska and Hawaii) with no minimum spending required. If you’re a MyLowe’s Rewards Credit Card holder, you’ll be eligible to receive Silver Key membership status regardless of how much you spend each year at Lowe’s.¹

If you spend $2,000 or more annually, you’ll qualify for the top status level, Gold Key. With this membership level, you’ll earn 1.5 points per dollar spent — a 20% increase from Silver Key status and a 50% increase from Bronze Key status.

It’s simple to join, earn and save through members-only offers and free standard shipping starting at Silver Key status with MyLowe’s Rewards.

What is the MyLowe’s Rewards Credit Card?

The MyLowe’s Rewards Credit Card (formerly known as the Lowe’s Advantage credit card) was created with a wide range of customers in mind for a variety of home improvement purchases both big and small.

By using the MyLowe’s Rewards Credit Card, you can choose to receive a 5%* discount on your purchase (exclusions apply) or the opportunity to select six months of special financing on purchases of $299 or more.**

The automatic discount is great for everyday purchases; a $200 item, for example, is automatically reduced to $190 with the discount. The special financing option works well for those looking to make a large purchase or undergoing a home renovation. For some, being able to float the cost of a purchase for six months without racking up extra costs can be the difference between taking on a new project and not.


With the upgrade you get to Silver Key status in the MyLowe’s Rewards program, cardholders can get the most value in savings and rewards compared to any other payment type when shopping at Lowe’s.¹ In the mid-tier membership level, you instantly receive benefits like free standard shipping (Hawaii and Alaska excluded)*** and a 25% bump in points earned on eligible purchases. This allows you to earn MyLowe’s Money faster.

Bottom line

The MyLowe’s Rewards Credit Card and the MyLowe’s Rewards program are two ways to save money and earn rewards on all your upcoming home improvement projects.

It doesn’t matter if you’re a casual shopper or have a very large upcoming renovation; you might be surprised to see how quickly your savings and rewards can accrue with such a simple and easy-to-use program.

¹ MyLowe’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 for details. Subject to change.

² My Points are awarded on eligible purchases for orders that have been settled and fulfilled. Exclusions, restrictions, and more terms apply. Details at 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 for details.

*, ** Offers subject to credit approval and cannot be combined. Minimum monthly payments required for Special Financing. If your purchase or order is over the minimum required, you will be asked to select the offer you would like. See 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 for details.