Bilt members now earn 1 Bilt Point per dollar at Lowe’s once they link a MyLowe’s Rewards account, on top of whatever their credit card earns. The partnership started November 10, 2026, and it also lets you pay for Lowe’s $99-a-year HomeCare+ maintenance plan with Bilt Cash, Bilt Points or a card. At our 2.2-cent value for Bilt Points, $1,000 of Lowe’s spending adds about $22.

The deal

  • Offer: 1X Bilt Points on net purchases at Lowe’s, online or in store, after you link your MyLowe’s Rewards account in the Bilt app or on the Bilt website.
  • Stacking: the points come from the linked loyalty account, not the card, so any credit card works at checkout.
  • HomeCare+: a $99 yearly subscription with two in-home visits a year from Lowe’s associates, bought through Bilt with Bilt Cash, Bilt Points or a linked card.
  • Dates: live from November 10, 2026, per Lowe’s announcement. No end date is published.
  • Direct link: the Bilt x Lowe’s terms.
  • Cost: $0 to link. HomeCare+ costs $99 a year and renews automatically.

Key terms

  • Extra points: the Bilt x Lowe’s terms say “This 1 Bilt Point will be earned in addition to the usual rewards earned.”
  • How purchases count: online, you have to be signed in to MyLowe’s Rewards. In store, scan your member ID or give the phone number on the account at checkout.
  • No back-dating: purchases made before you link the accounts don’t earn Bilt Points.
  • Timing: points arrive 5 to 7 days after the purchase posts, and Bilt takes them back if you return the item.
  • HomeCare+ visits: each visit covers up to seven services, such as a dryer vent cleaning, an HVAC filter swap and a water heater flush. You buy the filters, bulbs and batteries yourself.
  • Renewal: Lowe’s says HomeCare+ “Automatically renews at $99 yearly until canceled,” and it’s available only in select ZIP codes.
  • Existing Lowe’s accounts: matching a MyLowe’s account you already hold to Bilt arrives in December 2026, according to the announcement.
  1. In the Bilt app, open the Lowe’s partner page and connect your MyLowe’s Rewards account, or create one there.
  2. Sign in to Lowe’s before every online order. In store, scan the MyLowe’s member ID at the register.
  3. Check your Bilt activity 5 to 7 days after the charge posts.

Tip: If your MyLowe’s account already exists and the link fails, wait for December. A Frequent Miler reader reported linking trouble on launch day, and Lowe’s says account matching starts in December 2026.

Our take

Link it if you shop at Lowe’s even twice a year. It’s free, it takes a minute, and the points come on top of your card’s earnings.

The numbers are modest. Using the 2.2 cents per point in our points valuations, a $400 vanity earns 400 Bilt Points, about $8.80. A $5,000 kitchen appliance order earns 5,000 points, about $110, by the same valuation. Bilt also pays $50 of Bilt Cash for every 25,000 points you earn, per the Bilt Cash terms. Bilt hasn’t said whether Lowe’s points count toward that milestone, so treat it as a possible extra.

HomeCare+ is the harder call. If you kept Flexible Bilt Cash, every $3 of it buys 100 points on your rent, as we explained in our post on the 2027 Bilt Cash changes. Spending $99 of Bilt Cash on HomeCare+ gives up about 3,300 points, worth about $73. If your Bilt Cash is about to expire unused, that’s a good trade for a dryer vent cleaning and a water heater flush. If you’d turn it into points, the plan costs you $73 of value for $99 of labor.

Skip HomeCare+ if you rent. Most of the services, from the garage door to the water heater, assume you own the house, and the terms make you confirm you have the authority to let the associate in. Homeowners who already pay someone for these chores should run the numbers on their own ZIP code first.

For the cards that earn Bilt Points, see our Bilt Palladium review and our best travel credit cards guide. Bilt’s Neighborhood OS launch also names Hyatt and Marriott as partners, so expect more promotions like this one.

FAQ

Do I need a Bilt credit card to earn points at Lowe’s?

No. The points come from linking your free Bilt membership to MyLowe’s Rewards. A Bilt card earns its own points on top when you pay with it.

How many Bilt Points do I earn at Lowe’s?

You earn 1 Bilt Point per dollar on net purchases, meaning purchases minus returns and credits. Your card’s normal earning rate is separate.

What does Lowe’s HomeCare+ cost through Bilt?

It costs $99 a year. You pay with Bilt Cash, Bilt Points or a card linked to your Bilt Wallet, and any balance the points or Bilt Cash don’t cover goes on the card.

Does HomeCare+ include the replacement parts?

No. You supply the HVAC filters, fridge water filters, bulbs and batteries. Subscribers get 5% off those items at Lowe’s.

Do I still earn MyLowe’s Rewards points?

Yes. Lowe’s says MyLowe’s members keep earning MyLowe’s Money, and HomeCare+ subscribers move up to Gold in that program. See more ways to earn on our bonus categories page.

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