Targeted Lowe’s Offers
Some users report seeing a new targeted Lowes offer in their Chase and Amex accounts. I have an offer on my Chase Sapphire Reserve card. Other team members report having the Amex offer on their personal American Express Platinum card. And several other members of the ToP team indicate that they don’t have either of these offer at all. If you do have a Lowe’s offer on your card(s), there are some potential stacking opportunities to make this even more lucrative than it may seem at first glance.
Chase Offer Details
First, let’s take a look at the Chase targeted Lowe’s offer specifically. Here are the offer details:
- 10% cash back on your Lowe’s purchase, including taxes and after any discounts
- $50 cash back maximum
- Offer expires 12/31/26
- Offer valid one time only, on purchases made directly with the merchant.
- Offer valid in-store only, on U.S. purchase
- Offer not valid on: gift-card purchase, purchase made using third-party services, delivery services, or a third-party payment account (e.g., buy now pay later)
Make a purchase in-store (in the U.S.) of $500 or more and get the full $50 back. Simple enough.
Amex Offer Details
Next, let’s take a look at the Amex targeted Lowe’s offer. Here are the offer details:
- Spend $250 or more, earn $50 back
- Offer valid in-store at participating Lowe’s locations in the U.S. or online only at US websites Lowes.com or LowesProSupply.com
- Offer expires 12/13/26
- Offer not valid on purchases at Lowe’s outlet locations, gift cards purchased online, corporate giftcards, and purchases using third parties. Excludes purchases made at Lowe’s branded websites that are operated by a third party on behalf of Lowe’s.
- Purchases must be made in USD
A Stacking Opportunity
Just this week, Bilt announced a partnership with Lowe’s that we covered here on the blog. Simply by linking your MyLowe’s Rewards account to your Bilt Rewards account you automatically earn 1 Bilt Point per $1 spent on eligible net purchases at Lowe’s. Best of all, this stacks with your regular card earnings. So in this instance, if you maximized the Chase targeted Lowe’s offer you’d earn 500 Bilt points, get 500 Chase Ultimate Rewards (1x earnings on a Sapphire Reserve, my card that has this offer), and get $50 back. Not too shabby. The Amex offer will yield fewer points earned, but greater percentage savings on the purchase itself.
For the Chase offer, card-linked in-store shopping portal offers may provide another stacking opportunity. My initial search didn’t yield any such offers at the moment. But make sure to check for one before you shop.
And for the Amex offer, there are plenty of online shopping portals you could stack with your online purchase. My go-to is Rakuten. But all of the major airline portals feature Lowe’s as well, and you could work towards one of the holiday spending bonuses to boot.
Targeted Lowe’s Offers: ToP Thoughts
A 10% discount plus the ability to earn a combined maximum 1,000 transferable points for a purchase is a pretty good deal in our opinion. Lowe’s sells lots of holiday decor items and things that anyone can use, even if you aren’t the DIY type.
Do you have this targeted Lowe’s offer in your Chase account? Let us know over in the ToP Facebook group.
