Bilt adds Lowe's: earn 1x Bilt points at Lowe's and pay for HomeCare+ with Bilt Cash (November 2026)
From 10 November 2026, Bilt members earn 1 Bilt point per dollar at Lowe's by linking a MyLowe's Rewards account, with any payment card. Bilt Cash or points can pay for the $99 HomeCare+ plan.
In this article
Short answer: on 10 November 2026 Lowe's became Bilt's home improvement partner. Bilt members who link a MyLowe's Rewards account now earn 1 Bilt point per dollar on eligible Lowe's purchases, in store and at lowes.com, and you do not have to pay with a Bilt card. Bilt members can also buy Lowe's HomeCare+ home maintenance plan, which costs $99 a year, with Bilt Cash, Bilt points or a linked card. Nothing is taken away, so this is an addition for anyone who collects Bilt points.
Lowe's announced the partnership in its own press release on 10 November. Doctor of Credit and Frequent Miler covered it the same day and agree on the earn rate and the HomeCare+ price.
What changes
| Before 10 November 2026 | Now | |
|---|---|---|
| Bilt points on Lowe's purchases | None | 1 Bilt point per dollar on net eligible purchases |
| What "net" means (Lowe's release) | n/a | Purchases minus returns, credits and discounts |
| What you need | n/a | A MyLowe's Rewards account linked to your Bilt account |
| Card you must pay with | n/a | Any. Doctor of Credit reports a Bilt card is not required |
| When points arrive (Frequent Miler) | n/a | Within 5 to 7 days |
| HomeCare+ through Bilt | Not offered | $99 a year, payable with Bilt Cash, Bilt points or a linked card |
Two more pieces are dated in the Lowe's release but not live yet: Bilt will match customers who already have a MyLowe's Rewards account from December 2026, and a Lowe's marketplace inside Bilt is planned for early 2027.
How to earn the points
- Link the accounts. Connect your MyLowe's Rewards account in the Bilt app or on the Bilt website. If you do not have one, you can create it during linking.
- Online: be signed in to that MyLowe's Rewards account when you place the order at lowes.com.
- In store: give the phone number on your MyLowe's Rewards account at checkout, or scan your member ID.
Because the earn is tied to the loyalty account and not to the card, the Bilt point comes on top of whatever your payment card earns. Doctor of Credit says it also stacks with shopping portals and card-linked offers. Frequent Miler is more careful and says it "should presumably" stack, so treat portal stacking as likely, not guaranteed, until members report results.
What HomeCare+ is, and whether to spend Bilt Cash on it
HomeCare+ is a Lowe's subscription. Per the Lowe's release it includes two in-home visits a year from Lowe's associates covering up to seven home maintenance services, 5% off the products used in those services, and Gold benefits in MyLowe's Rewards. Frequent Miler lists the tasks as dryer vent cleaning, HVAC and refrigerator water filter replacement, a water heater flush, garage door lubrication, and smoke detector battery and light bulb replacement. Labor is included; you pay for parts.
The fine print from the Lowe's release:
- It renews automatically at $99 a year until you cancel.
- The fee is non-refundable.
- It is available in select zip codes only.
Bilt members buy it through Bilt, not from Lowe's directly. Frequent Miler reports that up to $99 of Bilt Cash can cover the fee, and that the price in Bilt points was not visible in the app at launch. This matters more than it did a month ago: under Bilt's 2027 changes, Bilt Cash now expires 12 months after you earn it and hotel redemptions drop to twice a year, so another place to spend Bilt Cash is useful if you would have paid for the service anyway.
Who is affected
Every Bilt Rewards member in the US, including renters who earn Bilt points without holding a Bilt card. The former Wells Fargo Bilt Mastercard is closed, and the current Bilt cards are not in the CardPolo catalog, so no card page changes. Lowe's Pro accounts are not mentioned in the release; if you shop on one, check that the purchase tracks before you rely on it.
What to do now
- Link MyLowe's Rewards to Bilt before your next Lowe's trip. It costs nothing and you keep earning MyLowe's points and your card's rewards.
- Pay with the card that earns most on home improvement, not necessarily a Bilt card. The Bilt point is added either way.
- Do not buy HomeCare+ just to use Bilt Cash. Check that your zip code is covered and that you want the visits. Turn off auto-renewal if you only want one year.
- Use Bilt points on it last. No source has confirmed the points price, and Bilt points are usually worth more with a transfer partner.
Common questions
Do I need a Bilt credit card to earn Bilt points at Lowe's? No. Doctor of Credit reports the points come from linking your MyLowe's Rewards account to Bilt, so you can pay with any card.
How many Bilt points do you earn at Lowe's? 1 Bilt point per dollar on net eligible purchases, meaning the amount after returns, credits and discounts, according to the Lowe's press release.
Can I use Bilt Cash at Lowe's? Only for the HomeCare+ subscription, bought through Bilt. The sources do not describe using Bilt Cash on ordinary Lowe's purchases.
Want to know what a pile of Bilt points is worth before you spend it on home maintenance? Check the transfer partners map or run the numbers in the points calculator.
Sources
Every claim on this page is backed by a primary or reputable source.
Card figures on CardPolo come from our catalog, each with an issuer source and a verified date where we have checked it. Spot something out of date? Tell us at hello@cardpolo.com.
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