Lowe's's reward profile includes a solid gift card discount layer on top of portal cashback. The best gift card discount of 10% adds a meaningful layer on top of the 5 mi./$ portal rate at Alaska Mileage Plan. Promotional rate spikes occur roughly 6 times per year, lasting about 3 days on average. Consider layering a discounted gift card with portal cashback for the best combined return at Lowe's.
Reward Profile Gift Card Play
Rate StabilityRates vary significantly — timing matters
LowPortal SpreadWide variance — portal choice matters significantly
HighGift CardsUp to 10% off from 9 providers
HighStacking Layers4 layers available for stacking
HighLayer a discounted gift card with portal cashback for the best combined return at Lowe's. Compare all options below.
Best Portal Rate
5%
Click to activate →
AI Deal Insights
Above Normal More signals
Best Gift Card
10%
Buy gift card →
Portal Rates
5% promo: Was 0.5 mi./$ | ||
4% up topromo: Was 2% | ||
4% promo: Was 1 mi./$ | ||
4% promo: Was 0.5 mi./$ | ||
3% up topromo: Was 1% | ||
3% up topromo: Was 1 pt./$ | ||
2.3% | ||
2% 5% new userspromo: Was 1% | ||
2% 5% new userspromo: Was 1% | ||
1.8% promo: Was 1% | ||
1.5% | ||
1% 15% new users | ||
1% | ||
1% | ||
1% | ||
1% | ||
1% 1.5% new users | ||
1% | ||
1% | ||
1% | ||
1% | ||
0.6% | ||
0.5% | ||
0.5% | ||
0.5% | ||
0.5% | ||
0.5% | ||
0.5% | ||
0.4% | ||
0.3% |
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Gift Card Discounts
| Category | ||
|---|---|---|
10% Was 8% | ||
8.5% Was 8.5% | ||
8% Was 8% | ||
7% Was 7% | ||
5.4% Was 5.1% | ||
3% Was 3% | ||
2% Was 2% | ||
2% Was 2% |
Rate History
7-Day Avg
3%
+67%
Premium
30-Day Avg
3%
+67%
Premium
1-Year Avg
5%
no change
Rate Comparison
Current
5%
7-Day
3%
3%
5%
Best Credit Cards for Lowe's (Home Improvement Stores bonus)
About Lowe's Cashback
At 5%, Lowe's's cashback rate is above the 30-day average of 3%, suggesting rates are trending upward.
You may save up to 10% by buying discounted Lowe's gift cards from Card Cookie. Review the provider's terms, stock availability, and any purchase limits before buying.
CashBackStacks syncs offers from Chase, Amex, Capital One, Citi, and PayPal. If any of your cards have an active Lowe's offer, it shows up in your personalized stack. Premium users can activate all available offers with one click.
CashBackStacks compares both cashback and airline miles portals for Lowe's. Miles portals (like Alaska Mileage Plan, United MileagePlus, Delta SkyMiles) often offer competitive rates. The right choice depends on your travel goals — CashBackStacks normalizes values so you can compare directly.
For Lowe's purchases, the Harris Teeter Rewards (US Bank) gives you 5% in the Home Improvement Stores category, which you can combine with portal cashback.
There are 36 portals with Lowe's cashback rates, such as Kudos, Alaska Mileage Plan, Active Junky.
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