Complete Guide to Lowe's Rewards Program

Here's the thing about MyLowe's Rewards: they've actually thought it through pretty well. Instead of cramming everyone into one scheme that doesn't quite fit anyone perfectly, Lowe's offers two distinct loyalty programs – one for regular DIY customers and another for business owners and contractors.

MyLowe's Rewards is designed for homeowners, DIY enthusiasts, and anyone who shops at Lowe's for personal projects. Think weekend bathroom renovations, seasonal garden updates, or that never-ending list of house repairs we’re all working through.

MyLowe's Pro Rewards caters to contractors, small business owners, and anyone who shops at Lowe's for work purposes. This program was relaunched in February 2025 with better benefits and a simpler structure.

The cool part? You can actually be a member of both programs if you use different email addresses for each account. So if you're a contractor who also has personal projects, you can double-dip on the benefits.

Let's start with the program most of you will want to join. MyLowe's Rewards is a free loyalty program specifically designed for DIY customers. Launched in January 2024, it's relatively new to market, meaning Lowe's is still working hard to make it attractive and competitive.

This isn't some half-baked attempt at customer loyalty – Lowe's designed this program based on deep research into what DIY customers actually want. We're talking real benefits that make a difference when you're standing in the paint aisle trying to decide between eggshell and satin (again).

How to Join MyLowe's Rewards

Here's the best part: signing up is completely free and takes around five minutes. You don't need a Lowe's credit card to participate, just create a Lowes.com account and opt into the rewards program.

The process is straightforward:

• Go to Lowes.com or download the Lowe's mobile app
• Create your account with basic information
• Opt into MyLowe's Rewards during the signup process
• Verify your email address
• Start earning points immediately

Here's a sweet bonus: new members receive a $5 Lowe's coupon just for signing up, typically delivered via email within two weeks and valid for 30 days on purchases of $50 or more. Not a bad welcome gift for doing literally nothing but joining.

Membership Tiers and Benefits

MyLowe's Rewards uses a three-tier system that rewards you for shopping more frequently. The more you spend annually, the better your benefits get. Here's how it breaks down:

Bronze Key (Entry Level)

This is where everyone starts and, honestly, it's already pretty good:

• Earn 1 point per dollar spent on eligible purchases
• Free standard shipping on orders of $35 or more
• Access to members-only gifts and exclusive offers

Silver Key ($500+ Annual Spend)

Once you spend $500 in a calendar year, you automatically get upgraded to Silver Key status, which includes:

• 1.25 points per dollar spent (25% bonus on every purchase)
• Free standard shipping with no minimum purchase required
• All Bronze Key benefits

Gold Key ($2,000+ Annual Spend)

For the serious DIYers and frequent shoppers:

• 1.5 points per dollar spent (50% bonus over base rate)
• Free standard shipping with no minimum
• Priority access to exclusive deals and events

Pro tip: If you get the MyLowe's Rewards Credit Card, you're automatically upgraded to Silver Key status regardless of how much you spend. More on the credit card later.

Earning Points and Rewards

Let's talk about the actual money-making part. At the Bronze Key tier, MyLowe's Rewards points are worth exactly 0.5 cents each, which makes the math super easy. Every 1,000 points you earn converts to $5 in MyLowe's Money – think of it as store credit you can use on future purchases.

Ways to Earn Points

• Regular Purchases: Every eligible purchase earns you points based on your membership tier.
• Point Boosters: Lowe's offers additional ways to earn points by completing simple tasks in your rewards dashboard, like filling out profile information or answering quick questions about your shopping preferences.

How to Make Sure You're Earning

In-Store Shopping: Use the Lowe's mobile app to scan your Member ID at checkout, or simply provide the phone number associated with your account.

Online Shopping: Sign into your MyLowe's account before checkout. The website will automatically apply your rewards.

Forgot to Scan? You can upload information from your printed receipt to claim points up to 45 days after your purchase. Just go to Purchase History on Lowes.com or in the mobile app and select "Add Store Purchase."

MyLowe's Money Explained

MyLowe's Money is where your points turn into actual savings, but there are some important details to know:

• What It Is: MyLowe's Money is store credit, not cash back. It's not a credit, debit, or gift card – think of it more like a coupon that gets added to your account.
• Expiration: MyLowe's Money expires 60 days from when it's added to your account, so don't let it sit there forever. Lowe's will email you when it's added and remind you about the expiration date.
• Usage Limits: You can use a maximum of 5 MyLowe's Money rewards per transaction, which means up to $25 in rewards per purchase.
• What You Can't Use It For: MyLowe's Money can't be used on gift cards, credit card payments, or Weber, Kichler, or Miele products.
• How to Redeem: In-store, go to your Lowe's app wallet and scan the barcode at checkout. Online, select and apply your MyLowe's Money from payment options during checkout.

Additional Member Benefits

The points and MyLowe's Money are just the beginning. Members get access to a bunch of other perks that can actually save you more than the rewards themselves:

• Free Member Gifts: Throughout the year, MyLowe’s Rewards members get freebies – mini buckets, flowers, paint samples and seasonal items.
• Free Workshops: Members get access to free Lowe's DIY-U kids and garden workshops.
• Exclusive Deals: Lowe's drops exclusive monthly deals in your MyLowe's Rewards account.
• Early Access: Members get early notifications about sales and special events.
• Personalized Experience: The Lowe's app provides personalized recommendations based on your purchase history and allows you to reorder items quickly and easily.

MyLowe's Rewards Credit Card

If you're serious about maximizing your Lowe's savings, the MyLowe's Rewards Credit Card is worth considering. Here's what makes it special:

• Daily Savings: Cardholders get 5% off all eligible everyday purchases.
• Instant Status Upgrade: Save your card to your Lowes.com account wallet and get automatically upgraded to Silver Key status.
• Special Financing:
  • 6 months no-interest on purchases of $299 or more
  • 12 months no-interest on appliances, installed flooring, or HVAC purchases of $299 or more
  • 36, 60, or 84 months reduced APRs for purchases of $2,000 or more

Special Events and Promotions

Lowe's knows how to treat their rewards members, especially during special events:

• MyLowe's Rewards Week: Member-exclusive events in October and July, with savings up to 50% off select products.
• Seasonal Freebies: Freebies for the first 150 members, e.g., spring flowers, paint samples, beach balls.
• Bonus Point Events: Earn extra points (sometimes 5x) on eligible purchases during specific periods.

Tips to Maximize Your Rewards

• Time Your Big Purchases: Plan purchases to reach Silver or Gold Key before year-end.
• Stay Active: Make at least one eligible purchase per year.
• Complete Point Boosters: Fill out surveys and profile updates in your dashboard.
• Stack Benefits: Use MyLowe's Money with sales and coupons.
• Check Your Wallet Regularly: Monitor exclusive member deals in the app.
• Plan Around Rewards Week: Schedule big projects during Rewards Week for maximum savings.

If you're a contractor, small business owner, or professional who shops at Lowe's for work, MyLowe's Pro Rewards is designed specifically for you. Relaunched in February 2025 with big improvements.

Key Features

• Three-tier structure: Gold Pro, Platinum Pro, and Titanium Pro
• Earn points from the first dollar spent – no volume thresholds to meet
• Business-specific tools: online order quoting, volume savings programs, multi-delivery scheduling

Business Benefits

Pro members get access to business solutions like purchase authorization, project calculators, installation services, and dedicated Pro desk support.

The Pro program operates separately from the personal MyLowe's Rewards, so if you're a contractor who also has personal projects, consider having both accounts.

Your MyLowe's Rewards account is managed through the Lowe's website and mobile app. You can track points progress, view rewards history, access exclusive deals, and manage MyLowe's Money.

Need Help? Call customer service at 1-855-645-6937.

Password Issues: Reset via the sign-in page or directly at Lowes.com.

Mobile App: Download the Lowe's app to manage rewards, scan Member ID, and access mobile-only features.

• Point Expiration: Points expire after 12 months of no activity. Make at least one eligible purchase per year.
• MyLowe's Money Expiration: Expires 60 days from addition to your account. Lowe's sends email reminders.
• Earning Rate: Bronze level earns 0.5% back ($5 for $1,000 spent).
• Product Exclusions: Some high-end brands and categories are excluded.

MyLowe's Rewards' 0.5% base earning rate is lower than competitors like Kohl's (5%) or Dick's Sporting Goods (3%). For home improvement, it's competitive when factoring in:

• 5% daily discount with credit card
• Free shipping benefits
• Exclusive member deals and early access
• Free workshops and member gifts
• Special financing options

If you shop at Lowe's regularly, the program makes sense. If price-shopping between Lowe's and Home Depot, MyLowe's Rewards alone may not sway decisions.

MyLowe's Rewards is free, benefits kick in immediately, and base-level perks can save money. Program shines if you:

• Have ongoing home improvement projects
• Spend $500+ annually (to reach Silver Key)
• Use MyLowe's Rewards Credit Card for 5% daily savings
• Take advantage of member-exclusive events and deals

Not a get-rich scheme, but $5 rewards and perks add real value. Start earning at Lowes.com or the Lowe's app and claim your $5 welcome coupon.

Your future self (and wallet) will thank you next time you're in line with a cart full of weekend project supplies.