Best credit card to use at Lowe's.
Home Improvement
Lowe's is the second-largest U.S. home-improvement retailer at about 1,750 stores, with a long-standing rivalry with Home Depot for both consumer and pro spend. Pricing is similar between the two, so the right card here is whichever home-improvement-bonus general-purpose card you carry, plus the Lowe's Advantage credit line if you're financing a large project. Lowe's codes as home improvement in-store and on lowes.com.
- #1Citi Custom Cashif it’s your top categoryCiti5% on home improvement if it's your top eligible spend category that cycle (up to $500/month, then 1%)Automatically on your top eligible spend category each billing cycle5%
- #2Discover it Cash Backthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3Discover it for Studentsthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4NHL Discover itthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #5U.S. Bank Cash+ Visa Signatureif you select itU.S. Bank5% on home improvement if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #65.0%5x points
- #73.0%3x points
- #83%
- #92%
- #102%
