Does Lowe’s Accept American Express In 2023? [Important Guide]

If you’re planning to buy something from Lowe’s, you’ll be glad to know that they have a range of payment options available for you to choose from. Whether you prefer shopping in-store, online, or via their mobile app, you can pay in a way that suits you best.

But if you’re an American Express cardholder, you might be wondering whether Lowe’s accepts Amex and whether there are any benefits to using it there. Well, I did some digging for you, and I found out whether or not you can use Amex at Lowe’s, what perks you might be entitled to if you do, and what other payment methods are available.

Lowe’s, Image Credit: Lowe’s

Does Lowe’s Accept American Express In 2023?

Good news for American Express cardholders! Lowe’s still accepts Amex credit cards in 2023, and you can use them to make purchases in their physical stores, website, and mobile app. But that’s not all – if you’re a business owner, you might want to consider applying for the Lowe’s Business Rewards Card, which is offered in partnership with American Express.

This card not only provides discounts on Lowe’s products and services, but also gives you 5% cashback on your purchases for the first six months. Pretty sweet deal, right? But if you’re not interested in this card, there are other payment methods that Lowe’s accepts, which we’ll cover in the next section. Keep reading to find out more!

When Can I Use American Express at Lowe’s?

If you’re an American Express cardholder planning to shop at Lowe’s, you’ll be happy to know that you can use your Amex card for all purchases, both in-store and online. However, if you’re shopping in a physical store, make sure to bring your card with you, as Apple Pay and Google Pay are not currently accepted at Lowe’s (but Samsung Pay is).

But what can you actually buy with your American Express card at Lowe’s? Well, the answer is pretty much everything! You can use your card to pay for general merchandise, such as furniture, decor, equipment, tools, and more. You can also use it to purchase gift cards, pay for installation or delivery fees, buy Lowe’s Protection Plans for major appliances, outdoor equipment, power tools, plumbing, heating, and more.

Furthermore, if you’re looking to purchase building supplies, appliances such as fridges, freezers, ranges, washers, dryers, and washing machines, or even flooring and paint, you can use your Amex card to pay for those as well. So go ahead and shop to your heart’s content with your American Express card at Lowe’s!

Does Lowe’s Accept American Express Gift Cards?

Are you planning to use an American Express gift card to pay for your purchases at Lowe’s? You’re in luck! American Express gift cards are accepted at Lowe’s, just like they are at any other store or online retailer that accepts Amex.

The great thing about using an Amex gift card at Lowe’s is that you can use it to cover the entire cost of your purchase, or just a portion of it. However, it’s important to keep in mind that if your gift card doesn’t cover the full amount of your purchase, you’ll need a backup payment method to cover the remaining balance.

Lowe’s, Image Credit: Lowe’s

So, whether you’re looking to buy some new tools, furniture, appliances, or anything else that Lowe’s has to offer, you can use your American Express gift card to make the payment. Just remember to bring another payment option in case the gift card doesn’t cover the total amount.

What Are The Benefits Of Using American Express At Lowe’s?

Are you an American Express cardholder planning to make purchases at Lowe’s? If so, you might want to consider getting a Lowe’s Business Rewards Card, which is an American Express business credit card that comes with several benefits.

The interest rate on purchases made with this card is a variable rate that ranges from 15.74% to 24.74%, depending on your credit score. However, this APR can change with the market based on the prime rate.

One of the main advantages of using this card at Lowe’s is that you can access Lowe’s ProServices, which includes discounted delivery, bulk rate pricing, and the Lowe’s business replenishment program. Additionally, you can get 5% off on eligible purchases at Lowe’s, making your shopping experience even more cost-effective.

But that’s not all – if you use your Lowe’s Business Rewards Card at Lowe’s within the first six months, you’ll also get 5% cashback on your purchases. After the first six months, the cashback rate goes down to 2%, but it’s still a great way to save some money. So, if you’re a business owner who frequently shops at Lowe’s, it might be worth considering the Lowe’s Business Rewards Card from American Express.

What Other Payment Methods Does Lowe’s Accept?

Aside from American Express, Lowe’s accepts a variety of other payment methods both in-store and online. You can pay using Visa, Mastercard, Discover cards, cash, debit cards, and even Paypal. Samsung Pay is also accepted as a mobile payment option.

If you’re looking for a gift option, Lowe’s gift cards are available for purchase in-store, online as e-gift cards, or they can be mailed to the recipient. These gift cards range in value from $5 to $2000.

Lowe’s also offers a range of credit cards, including the Lowe’s Advantage Card, which allows you to make 84 fixed monthly payments with a reduced APR on eligible products.

Lowe’s, Image Credit: Lowe’s

It’s important to note that as of 2023, Apple Pay and Google Pay are not currently accepted at any physical Lowe’s locations. If you want to learn more about Lowe’s payment options, you can also check out our other posts on whether Lowe’s accepts PayPal, Apple Pay, and checks.

Also Read: Does Lowe’s Cut Countertops? [Laminate, Granite, Marble]


To sum it up, Lowe’s does accept American Express as a payment method at all of its physical locations, on its website, and through the Lowe’s mobile app. Moreover, American Express cardholders can take advantage of the Lowe’s Business Rewards credit card, which not only provides access to Lowe’s ProServices but also gives a 5% discount on eligible products.