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Lowe's

Best Credit Card for Lowe's

The best credit card for Lowe's is Upgrade Triple Cash Rewards Visa because it earns 3x on Lowe's purchases, the strongest effective return in the current ranking.

Top Pick

Best Pick
Upgrade Triple Cash Rewards Visa card art
Upgrade Cash Rewards

Upgrade Triple Cash Rewards Visa

3x
points per dollar
3.0%
effective return
No annual fee
annual fee

3x on Home

Current welcome offer: $200 credit

Before you click out

  • This is the best fit only if you actually spend heavily on lowe's.
  • You are optimizing for rewards without taking on an annual fee.
  • If this is your pick, apply now and keep this page open in another tab for reference.
Apply for Upgrade Triple Cash Rewards Visa Browse partner cash back cards View Upgrade Triple Cash Rewards Visa details

More Good Options

  • Choice Privileges Select Mastercard card art
    Choice Privileges
    Choice Privileges Select Mastercard
    5x
    pts/dollar
    3.0%
    return

    5x on gas stations, grocery stores, home improvement stores and phone plan services

    About $264/month in lowe's spend offsets the annual fee, before credits and perks.

    Current welcome offer
    60,000 points — spend $3,000 in 3 months
    Apply for Choice Privileges Select Mastercard
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate on Home Improvement; the best available return here despite no category-specific bonus

    About $1,032/month in lowe's spend offsets the annual fee, before credits and perks.

    Current welcome offer
    50,000 points — spend $4,000 in 3 months
    Apply for Bilt Palladium Card
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate on Home Improvement; the best available return here despite no category-specific bonus

    About $214/month in lowe's spend offsets the annual fee, before credits and perks.

    Current welcome offer
    75,000 points — spend $4,000 in 3 months
    Apply for Capital One Venture Rewards
  • Chase Freedom Unlimited card art
    Chase Ultimate Rewards
    Chase Freedom Unlimited
    1.5x
    pts/dollar
    3.0%
    return

    1.5x base rate on Home Improvement; the best available return here despite no category-specific bonus

    Current welcome offer
    $200 credit
    Apply for Chase Freedom Unlimited
Fast path

Want broader partner inventory before you commit?

Use the partner marketplace only if you are still in category-browsing mode. If the top pick above already fits, the direct apply path is the cleaner decision.

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Quick summary

A short version of the recommendation with the main numbers and fallback option.

For Lowe's purchases, Upgrade Triple Cash Rewards Visa is currently our top overall pick at 3x, which works out to about 3.0% back using CardCurator's current point valuations. 3x on Home. If you want a no-annual-fee option, Chase Freedom Unlimited earns 1.5x there (3.0% effective return). At $500/month of spend, the top card is worth about $180/year before signup bonuses or statement credits. Summary generated November 15, 2026. Source: https://cardcurator.ai/best-credit-card-for/lowes

View source data
Top card
Upgrade Triple Cash Rewards Visa
3x · 3.0%
No-fee fallback
Chase Freedom Unlimited
1.5x · 3.0%
  • Upgrade Triple Cash Rewards Visa: 3x and 3.0% effective return.
  • At $500/month, that's about $180/year in rewards value before bonuses.
  • Chase Freedom Unlimited is the current no-fee fallback at 1.5x (3.0% effective return).
  • Methodology uses live earn rates, annual fees, and current point valuations.
Methodology Sources

Common Questions

What is the best credit card for Lowe's?

The Upgrade Triple Cash Rewards Visa is currently the top pick for Lowe's purchases, earning 3x points per dollar — an effective 3.0% return.

How many points do you earn on Lowe's purchases?

The top-rated card for Lowe's purchases, the Upgrade Triple Cash Rewards Visa, earns 3x per dollar — an effective return of 3.0%.

Is there a no-annual-fee card that earns rewards on Lowe's?

Yes — the Chase Freedom Unlimited earns 1.5x on Lowe's purchases with no annual fee (3.0% effective return).

Is a premium card worth the annual fee for Lowe's spending?

The Bilt Palladium Card ($495/yr) earns 2x on Lowe's purchases. If you spend $1,032/month or more on lowe's, the rewards offset the annual fee — before counting travel credits and other perks.

Which card earns the most if I spend $500 per month on Lowe's?

Upgrade Triple Cash Rewards Visa: $180/yr after its annual fee, Choice Privileges Select Mastercard: $85/yr after its annual fee, Bilt Palladium Card: $-255/yr after its annual fee. At $500/month, Upgrade Triple Cash Rewards Visa has the highest estimated net value after its annual fee.

Do rotating category cards earn on Lowe's?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature lowe's as a 5% bonus category for one quarter per year. Year-round, a dedicated lowe's card typically outperforms rotating category cards since you can't always count on the bonus.

Popular Lowe's merchants