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Can You Buy Gift Cards at Lowe's with a Credit Card?
July 1, 2025
Quick Answer
Yes, Lowe's accepts all major credit cards for the purchase of both physical and digital gift cards, whether you're shopping in-store or online.
Should You Buy Gift Cards At Lowes With A Credit Card?
Consider the pros and cons of using your credit card for this purchase.
Benefits
- Earning Rewards: You can accumulate credit card points, miles, or cash back on the gift card purchase.
- Meeting Bonuses: The purchase can help you meet the minimum spending requirement for a new card's sign-up bonus.
- Purchase Protection: Your credit card may offer protection against fraud for the transaction itself.
Costs
- Interest Accrual: If you don't pay your credit card balance in full, interest charges can outweigh any rewards earned.
- Missed Product Rewards: You earn rewards on buying the gift card, not on the final items you purchase with it.
- Complicating Returns: Returning items bought with a gift card typically results in store credit, not a refund to your original payment method.
How to Buy Gift Cards At Lowes With A Credit Card
Purchasing Lowe's gift cards with a credit card is a simple way to manage spending or give a practical gift. Here’s how to do it effectively and potentially earn rewards.
Determine Card Type and Value: Decide if you need a physical gift card or an e-gift card. Select the desired dollar amount, keeping in mind any store limits on gift card purchases, and choose a design if applicable.
Select the Right Credit Card: To maximize benefits, consider using a credit card that offers rewards on retail or home improvement spending. Using a card explorer tool can help you find an ideal match for your purchasing habits.
Complete the Purchase: You can buy gift cards at any Lowe's store or on their official website. For online orders, add the card to your cart and proceed to checkout, entering your credit card information as prompted.
Keep Your Documentation: Always retain the credit card transaction receipt and the gift card activation slip. This documentation is essential for your records and can help resolve any potential issues with the card's balance or activation.
Impact On Your Credit Score
Using a credit card to purchase Lowe's gift cards can influence your credit score, much like any other transaction. It's wise to consider the potential effects before heading to the checkout.
- Credit Utilization Ratio. This purchase contributes to your overall credit card balance. A higher balance can increase your credit utilization ratio, potentially lowering your score if it becomes too high.
- Payment History. You are responsible for paying off this purchase on time. Consistent, on-time payments can boost your credit history, whereas late payments will have a negative effect.
Alternative Ways To Buy Gift Cards At Lowes
In-Store Purchase Options
The most straightforward method for buying a Lowe's gift card without a credit card is to do so in person. At any physical Lowe's store, customers can use cash or a debit card to complete the transaction. This approach provides immediate access to the gift card and bypasses the need for online payment processing, offering a secure alternative for those who prefer not to use credit or share financial details online.
Using Third-Party Platforms
Lowe's gift cards are also available through various third-party retailers and gift card exchange websites. These online platforms frequently accept a wider range of payment methods, including services like PayPal. While you can sometimes find gift cards at a discount on these sites, it is essential to use reputable and well-reviewed vendors to guarantee the card is valid and your transaction is secure.
Choose the Right Card to Buy Gift Cards At Lowes
Picking the right credit card is crucial for turning everyday purchases, like gift cards from Lowe's, into valuable rewards. Instead of guessing, you can use a personalized recommendation engine to find the perfect match for your spending habits. The Kudos Explore Tool helps you compare thousands of cards, filtering by your preferences—whether that's maximizing cash back, earning travel points, or securing a low interest rate. Take a moment to find the best card for your needs and ensure every dollar you spend works harder for you.
If you want to get more from your credit cards, Kudos is the premier free tool for online shopping. Plus, we are currently giving you $20 back after your first eligible purchase—simply sign up for free with code “GET20” and make a purchase at a Boost merchant.
Frequently Asked Questions
Are there fees for buying a Lowe's gift card with a credit card?
No, Lowe's does not charge any additional fees when you purchase their gift cards using a credit card.
Can I earn credit card rewards on Lowe's gift card purchases?
Yes, buying a Lowe's gift card with a rewards credit card will typically earn you points or cashback.
What is the maximum value for a Lowe's gift card purchased with a credit card?
You can load a Lowe's gift card with any amount up to $2,000 when paying by credit card.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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