Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Lowe's from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Lowe's, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Palladium Card earns the top spot for Lowe's purchases at 4.4¢ per dollar on all other — a $495 annual fee. We ranked every card in our database against Lowe's purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Cardless
Wells Fargo
Capital One
Bilt Palladium Card earns 4.4¢ per dollar on all other when you shop at Lowe's, the highest marginal rate in our list for this brand. At 4.4¢ per dollar, rewards cover the $495 fee after about $11,250 a year in Lowe's spending. To come out ahead of Bank of America® Customized Cash Rewards Secured (3.0¢), you'd need about $35,360 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Home Improvement Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | $15 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Bank of America® Customized Cash Rewards SecuredBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,397 | amex |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Choice Privileges MastercardWells Fargo | 3x Choice Privileges | 2.4¢/$ | $0 | — | mastercard |
Other brands in Hardware where the top picks above also earn well.
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