Lowe’s Enterprise Rewards Card from American Categorical is designed for companies that store at Lowe’s incessantly as a result of it gives entry to Lowe’s ProServices, together with discounted supply, bulk charge pricing, and the Enterprise Replenishment Program. New cardholders can even take pleasure in a 5% in-store low cost for all eligible purchases.
For those who want to examine one card over one other, choose a most of three playing cards on this web page and click on Add to Examine to view the main points in a side-by-side comparability.
Lowe’s Enterprise Rewards Card from American Categorical
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20.99% – 29.99% Variable
Good, Glorious
Additional Worth Supply: 5% money again on purchases at Lowe’s for the primary 6 months. 2% again after. New accounts solely.Plus, get $100 again within the type of a press release credit score upon approval.2% money again at U.S. eating places, U.S. workplace provide shops, wi-fi phone providers bought immediately from U.S. service suppliers. 1% money again on different eligible purchases. Money again is acquired within the type of Lowe’s Enterprise Rewards factors that may be redeemed for assertion credit or choose reward playing cards.Money again is acquired within the type of Lowe’s Enterprise Rewards factors that may be redeemed for assertion credit or choose reward playing cards.APR on purchases will probably be a variable charge, 20.99% – 29.99%, primarily based in your creditworthiness and different elements as decided on the time of account opening.Phrases Apply.
Execs
No annual charge
5% off at Lowe’s
$100 assertion credit score signup bonus
Cons
No 0% introductory APR interval
Stability transfers aren’t allowed
Low money again rewards at Lowe’s after introductory interval
Lowe’s ProServices: Entry advantages with Lowe’s ProServices, together with discounted supply, bulk charge pricing, and the enterprise replenishment program.
Buy safety: The issuer covers purchases which might be stolen or broken inside 120 days from the date of buy (90 days for New York residents).
Prolonged guarantee safety: Obtain as much as two years of extra protection for objects with an authentic producer’s guarantee of as much as 5 years.
20.99% – 29.99% Variable
Good, Glorious
Additional Worth Supply: 5% money again on purchases at Lowe’s for the primary 6 months. 2% again after. New accounts solely.Plus, get $100 again within the type of a press release credit score upon approval.2% money again at U.S. eating places, U.S. workplace provide shops, wi-fi phone providers bought immediately from U.S. service suppliers. 1% money again on different eligible purchases. Money again is acquired within the type of Lowe’s Enterprise Rewards factors that may be redeemed for assertion credit or choose reward playing cards.Money again is acquired within the type of Lowe’s Enterprise Rewards factors that may be redeemed for assertion credit or choose reward playing cards.APR on purchases will probably be a variable charge, 20.99% – 29.99%, primarily based in your creditworthiness and different elements as decided on the time of account opening.Phrases Apply.
No annual charge
5% off at Lowe’s
$100 assertion credit score signup bonus
No 0% introductory APR interval
Stability transfers aren’t allowed
Low money again rewards at Lowe’s after introductory interval
Lowe’s ProServices: Entry advantages with Lowe’s ProServices, together with discounted supply, bulk charge pricing, and the enterprise replenishment program.
Buy safety: The issuer covers purchases which might be stolen or broken inside 120 days from the date of buy (90 days for New York residents).
Prolonged guarantee safety: Obtain as much as two years of extra protection for objects with an authentic producer’s guarantee of as much as 5 years.
How We Consider Money Again Enterprise Credit score Playing cards
When grading money again rewards enterprise bank cards just like the Lowe’s Enterprise Rewards Card from American Categorical, we first take note of the continued and introductory rewards. We additionally think about the annual charge, introductory and ongoing annual share charges (APRs), and options.
Who the Lowe’s Enterprise Rewards Card from American Categorical Is Greatest For
Those that are frequent Lowe’s consumers, resembling contractors and repair and flippers: You may benefit from in-store reductions at Lowe’s, entry Lowe’s ProServices, and earn money again on eligible purchases. New cardholders can get 5% money again on eligible Lowe’s purchases for the primary six months and $100 money again upon approval.
Try our advisable alternate options beneath if this card doesn’t match the invoice.
Lowe’s Enterprise Rewards Card from American Categorical Rewards
New cardholder money again rewards
$100 money again upon approval, which you’ll be able to earn by way of a press release credit score
5% money again on eligible purchases at Lowe’s for the primary six months after opening an account
Ongoing money again rewards
2% money again on eligible purchases at Lowe’s shops or on-line at Lowes.com and LowesforPros.com
2% money again on eligible purchases made at eating places and workplace provide shops in the US and on wi-fi phone providers bought immediately from US service suppliers
1% money again on all different purchases
Lowe’s Enterprise Rewards Card from American Categorical Calculator
Learn how a lot you may earn from the Lowe’s Enterprise Rewards Card from American Categorical primarily based in your estimated month-to-month bills. Use our rewards calculator to compute your potential rewards—enter your anticipated month-to-month spending, and our calculator will do the remainder.
How To Redeem Lowe’s Enterprise Rewards Card from American Categorical Rewards
You may redeem your earned money again rewards for assertion credit score or choose reward playing cards. Observe that every 100 Lowe’s Enterprise Rewards factors is equal to $1.
Lowe’s Enterprise Rewards Card from American Categorical Options
Account Administration
Yr-end abstract: American Categorical supplies a year-end abstract of expenses made along with your card to avoid wasting time on managing your account on-line.
World Help® Hotline: This offers you entry to a 24-hour world help hotline any time you journey greater than 100 miles away from dwelling. This hotline can join you to emergency help and coordination providers, together with medical, authorized, and passport referrals, emergency money wires, and lacking baggage help.
Worker playing cards: You may create as much as 99 worker playing cards beneath your account, set spending limits for every card, and simply handle your enterprise bills.
Insurance coverage
Buy safety: Gadgets that had been stolen or broken inside 90 days of the date of buy are lined with buy safety as much as $1,000 per incident and $50,000 per 12 months. Gadgets lined exclude animals, vegetation, consumables, tickets, motorized automobiles, fixtures, and preowned items.
Prolonged guarantee safety: That is good for as much as one extra 12 months on objects that include an authentic producer’s guarantee of 5 years or much less. That is restricted to $10,000 per lined buy, as much as $50,000 per account per 12 months.
Automotive rental loss and harm insurance coverage: Automotive rental loss and harm insurance coverage of as much as $50,000 per automotive rental settlement are supplied. This protection is just good for the primary 30 consecutive days of a automotive rental settlement. To be eligible, the complete rental charge should have been charged to your card. Cases that aren’t lined embody intentional harm, manufacturing defects, put on and tear, theft of or harm to tires, harm to another car, and harm to any property apart from the rental car.
Dispute decision: American Categorical will work with you to assist resolve points resembling fraudulent or incorrect transactions indicated in your bank card assertion.
Lowe’s Enterprise Rewards Card from American Categorical Charges
APR
Introductory: None
Ongoing: 20.99% to 29.99% variable, which adjusts with the prime charge
Money advance: 29.99% variable, which adjusts with the prime charge
Penalty
This is applicable for at least 12 consecutive billing intervals and can proceed to use till after you’ve gotten made funds on time—with no returned funds for 12 billing intervals in a row.
: 29.99% variable, which adjusts with the prime charge; will probably be utilized to your account in case you:
Make two or extra late funds inside the 12-month interval
Don’t pay the minimal cost due by the deadline of the billing interval wherein it’s due
Make a returned cost
Charges
Annual: None
International transaction: 2.7% of every transaction after conversion to US {dollars} (USD)
Money advance: Both $5 or 3% of every money advance, whichever is bigger
Late cost: As much as $39
Overlimit: None
Returned cost: $39
Your due date is at the very least 25 days after the shut of every billing interval.
How To Make Funds
On-line: You may make a cost via your American Categorical on-line account anytime. Merely select your cost account and choose your checking account and cost date. Observe that credit score and debit playing cards aren’t accepted as a type of cost.
Cell app: Obtain the Amex Cell App and benefit from the comfort of paying your payments at any time.
Direct financial institution cost: Direct debits allow you to pay payments robotically so that you just don’t have to fret about lacking due dates. Present your checking account particulars to American Categorical and point out the quantity you’d prefer to pay each month.
AutoPay: You may enroll in AutoPay via your American Categorical on-line account. Observe that your first AutoPay cost will not be utilized to your present billing cycle, so that you would want to make your standard funds till your AutoPay begins.
Mail: You may select to mail your cost both by test or cash order made payable to American Categorical. See to it you embody your account quantity on the entrance of your cost.
First Class MailAmerican ExpressPO Field 650448Dallas, TX 75265-0448
Categorical MailAmerican ExpressAttn: Categorical Mail Remittance Processing20500 Belshaw Ave.Carson, CA 90746
Lowe’s Enterprise Rewards Card from American Categorical Alternate options
Chase Ink Enterprise Limitless®
Ink Enterprise Limitless® Credit score Card
Match Small Enterprise’s scores are calculated by business specialists of our editorial workforce. Our grading rubric considers the kind of bank card (resembling money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.
Those that need fixed-rate 1.5% money again on all purchases
Apply Now
Add to Examine
0% Intro APR on Purchases
18.49% – 24.49% Variable
Good – Glorious
Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account openingEarn limitless 1.5% money again on each buy made to your businessNo Annual FeeRedeem rewards for money again, reward playing cards, journey and extra via Chase Final Rewards®.Earn rewards sooner with worker playing cards at no extra price. Set particular person spending limits for higher management.Round the clock monitoring for uncommon bank card purchasesWith Zero Legal responsibility you will not be held chargeable for unauthorized expenses made along with your card or account info.0% introductory APR for 12 months on purchasesMember FDIC
Execs
With interest-free financing possibility on purchases
Mounted limitless money again on all purchases
Cons
Doesn’t have interest-free financing possibility on steadiness transfers
Prices excessive overseas transaction charges
Auto rental collision harm waiver: You may decline the corporate’s collision insurance coverage and cost the complete rental price to this card.
Journey and emergency help providers: Name the Profit Administrator for authorized and medical referrals or different journey and emergency help.
Buy safety: You may be certain that your new purchases are lined for 120 days towards harm or theft as much as $10,000 per declare and $50,000 per account.
Zero legal responsibility safety: Chase won’t maintain you chargeable for unauthorized transactions made with each your card and your account info.
Cellphone safety: Obtain as much as $1,000 per declare in cellphone safety towards lined theft or harm for you and your staff included in your month-to-month cellphone payments when utilizing your card to pay for it. This is applicable for a most of three claims inside a 12-month interval and can cost a $100 deductible per declare.
0% Intro APR on Purchases
18.49% – 24.49% Variable
Good – Glorious
Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account openingEarn limitless 1.5% money again on each buy made to your businessNo Annual FeeRedeem rewards for money again, reward playing cards, journey and extra via Chase Final Rewards®.Earn rewards sooner with worker playing cards at no extra price. Set particular person spending limits for higher management.Round the clock monitoring for uncommon bank card purchasesWith Zero Legal responsibility you will not be held chargeable for unauthorized expenses made along with your card or account info.0% introductory APR for 12 months on purchasesMember FDIC
With interest-free financing possibility on purchases
Mounted limitless money again on all purchases
Doesn’t have interest-free financing possibility on steadiness transfers
Prices excessive overseas transaction charges
Auto rental collision harm waiver: You may decline the corporate’s collision insurance coverage and cost the complete rental price to this card.
Journey and emergency help providers: Name the Profit Administrator for authorized and medical referrals or different journey and emergency help.
Buy safety: You may be certain that your new purchases are lined for 120 days towards harm or theft as much as $10,000 per declare and $50,000 per account.
Zero legal responsibility safety: Chase won’t maintain you chargeable for unauthorized transactions made with each your card and your account info.
Cellphone safety: Obtain as much as $1,000 per declare in cellphone safety towards lined theft or harm for you and your staff included in your month-to-month cellphone payments when utilizing your card to pay for it. This is applicable for a most of three claims inside a 12-month interval and can cost a $100 deductible per declare.
When To Contemplate Chase Ink Enterprise Limitless®
You need fixed-rate again rewards: This card enables you to earn 1.5% money again on all purchases.
Different Advantages
Provides cardholders a $900 bonus money again after spending $6,000 on purchases inside the first three months of account opening
Prices $0 annual charge
Extends the interval of the US producer’s guarantee by an extra 12 months on eligible purchases of three years or much less
U.S. Financial institution Enterprise Platinum Card
U.S. Financial institution Enterprise Platinum Card
Match Small Enterprise’s scores are calculated by business specialists of our editorial workforce. Our grading rubric considers the kind of bank card (resembling money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.
Prolonged 0% APR interval on purchases and steadiness transfers
Apply Now
Add to Examine
17.24% – 26.24% (Variable)
Glorious/Good Credit score
0% Intro APR on purchases and steadiness transfers for 18 billing cycles. After that, a variable APR presently 17.24%-26.24%. Expense administration instrument VISA Spend Readability is free to entry and sync bills, set worker card controls, generate reviews, and extra. Nice Supply from U.S. Financial institution, a 2022 World’s Most Moral Firm® – Ethisphere Institute, February 2022 Phrases and situations apply
Execs
With an extended 0% introductory APR interval on purchases and steadiness transfers
Doesn’t cost annual charges
Provides ExtendPay® Plan
Cons
No introductory and ongoing rewards
Stability switch charge is charged even throughout the introductory interval
Wants Glorious/Good credit score rating to qualify
SinglePoint® Necessities: SinglePoint® Necessities is U.S. Financial institution’s one-stop instrument for viewing account balances and transaction particulars, transferring funds between present U.S. Financial institution accounts, downloading statements, and making funds.
Fraud safety: U.S. Financial institution gives fraud safety to make sure the protection and safety of all cardholders. To be taught extra about U.S. Financial institution’s fraud safety providers, you may arrange a digital appointment, name U.S. Financial institution, or go to the closest U.S. Financial institution department.
ExtendPay® plan: This lets you repay balances over time by dividing eligible bank card purchases into inexpensive month-to-month funds with no curiosity—you solely have to pay a set month-to-month charge.Visa Spend Readability: One other instrument that cardholders can use to trace spending and handle funds is Visa Spend Readability.
17.24% – 26.24% (Variable)
Glorious/Good Credit score
0% Intro APR on purchases and steadiness transfers for 18 billing cycles. After that, a variable APR presently 17.24%-26.24%. Expense administration instrument VISA Spend Readability is free to entry and sync bills, set worker card controls, generate reviews, and extra. Nice Supply from U.S. Financial institution, a 2022 World’s Most Moral Firm® – Ethisphere Institute, February 2022 Phrases and situations apply
With an extended 0% introductory APR interval on purchases and steadiness transfers
Doesn’t cost annual charges
Provides ExtendPay® Plan
No introductory and ongoing rewards
Stability switch charge is charged even throughout the introductory interval
Wants Glorious/Good credit score rating to qualify
SinglePoint® Necessities: SinglePoint® Necessities is U.S. Financial institution’s one-stop instrument for viewing account balances and transaction particulars, transferring funds between present U.S. Financial institution accounts, downloading statements, and making funds.
Fraud safety: U.S. Financial institution gives fraud safety to make sure the protection and safety of all cardholders. To be taught extra about U.S. Financial institution’s fraud safety providers, you may arrange a digital appointment, name U.S. Financial institution, or go to the closest U.S. Financial institution department.
ExtendPay® plan: This lets you repay balances over time by dividing eligible bank card purchases into inexpensive month-to-month funds with no curiosity—you solely have to pay a set month-to-month charge.Visa Spend Readability: One other instrument that cardholders can use to trace spending and handle funds is Visa Spend Readability.
When To Contemplate U.S. Financial institution Enterprise Platinum Card
You intend to finance a big buy or switch a steadiness: This card gives a 0% introductory interval on each purchases and steadiness transfers for the primary 18 billing cycles.
Different Advantages
Permits you to pay your balances over time with the ExtendPay® plan by dividing eligible purchases into inexpensive month-to-month funds with out curiosity. Observe that this solely comes with a set month-to-month charge.
Permits you to view your account balances and transaction particulars, switch funds between present U.S. Financial institution accounts, obtain statements, and make funds via SinglePoint® Necessities.
American Categorical Blue Enterprise Money
The American Categorical Blue Enterprise Money™ Card
Match Small Enterprise’s scores are calculated by business specialists of our editorial workforce. Our grading rubric considers the kind of bank card (resembling money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.
Those that need higher money again rewards
Apply Now
Add to Examine
0% on purchases
18.49% – 26.49% Variable
Good, Glorious
Earn a $250 assertion credit score after you make $3,000 in purchases in your Card in your first 3 months.0.0% intro APR on purchases for 12 months from the date of account opening, then a variable charge, 18.49% – 26.49%, primarily based in your creditworthiness and different elements as decided on the time of account opening. APRs won’t exceed 29.99percentEarn 2% money again on all eligible purchases on as much as $50,000 per calendar 12 months, then 1%. Money again earned is robotically credited to your assertion.From workflow to stock to ground plans, your enterprise is continually altering. That’s why you’ve received the facility to spend past your credit score restrict with Expanded Shopping for Energy.Simply keep in mind, the quantity you may spend above your credit score restrict just isn’t limitless. It adjusts along with your use of the Card, your cost historical past, credit score report, monetary sources identified to us and different elements.No Annual FeeTerms Apply
Execs
0% intro APR
Welcome bonus
Mounted charge rewards
$0 annual charge
Cons
Money advance isn’t allowed
Prices overseas transaction charges
2% money again is capped at $50,000 in annual spending
Expanded shopping for energy: Get pleasure from versatile shopping for energy when your enterprise wants it. Expanded shopping for energy offers you the liberty to spend past your credit score restrict and assist get enterprise accomplished. Whereas the quantity you may spend above your credit score restrict is not limitless, it adjusts along with your use of the cardboard, your cost historical past, credit score report, monetary sources identified to us, and different elements.
Automotive rental loss and harm insurance coverage: As a Card Member, You could be lined for harm to or theft of a rental car in a lined territory if you use your eligible card to order and pay for the complete rental and decline the collision harm waiver on the rental firm counter.
0% on purchases
18.49% – 26.49% Variable
Good, Glorious
Earn a $250 assertion credit score after you make $3,000 in purchases in your Card in your first 3 months.0.0% intro APR on purchases for 12 months from the date of account opening, then a variable charge, 18.49% – 26.49%, primarily based in your creditworthiness and different elements as decided on the time of account opening. APRs won’t exceed 29.99percentEarn 2% money again on all eligible purchases on as much as $50,000 per calendar 12 months, then 1%. Money again earned is robotically credited to your assertion.From workflow to stock to ground plans, your enterprise is continually altering. That’s why you’ve received the facility to spend past your credit score restrict with Expanded Shopping for Energy.Simply keep in mind, the quantity you may spend above your credit score restrict just isn’t limitless. It adjusts along with your use of the Card, your cost historical past, credit score report, monetary sources identified to us and different elements.No Annual FeeTerms Apply
0% intro APR
Welcome bonus
Mounted charge rewards
$0 annual charge
Money advance isn’t allowed
Prices overseas transaction charges
2% money again is capped at $50,000 in annual spending
Expanded shopping for energy: Get pleasure from versatile shopping for energy when your enterprise wants it. Expanded shopping for energy offers you the liberty to spend past your credit score restrict and assist get enterprise accomplished. Whereas the quantity you may spend above your credit score restrict is not limitless, it adjusts along with your use of the cardboard, your cost historical past, credit score report, monetary sources identified to us, and different elements.
Automotive rental loss and harm insurance coverage: As a Card Member, You could be lined for harm to or theft of a rental car in a lined territory if you use your eligible card to order and pay for the complete rental and decline the collision harm waiver on the rental firm counter.
When To Contemplate American Categorical Blue Enterprise Money
You plan to spend past your credit score restrict: The cardboard gives expanded shopping for energy, which lets you exceed your credit score restrict after assembly sure situations.
Different Advantages
Permits you to earn 2% money again on all eligible purchases as much as $50,000 per calendar 12 months, then 1% money again after the acquisition cap is met
Prices $0 annual charge
Permits you to add worker playing cards at no extra price
Backside Line
Lowe’s Enterprise Rewards Card from American Categorical is greatest for enterprise house owners, contractors, and repair and flippers who store incessantly for dwelling enchancment merchandise at Lowe’s. Whereas it doesn’t cost annual charges and has money again rewards that may maximize your enterprise spending, it lacks a 0% introductory APR on each purchases and steadiness transfers.
