American Express National Bank Lowe's Business Rewards Credit Card Review

• Business credit card with generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. American Express National Bank Lowe's Business Rewards Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
• Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good	The Bad
Lower than average purchase APRs. 0% APR on new purchases during the first 6 months. No annual fee. Multiple business credit card perks. Offers auto rental collision damage waiver. Cardholders can earn rewards on their purchases. American Express National Bank Lowe's Business Rewards Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 2.7%. You don't earn rewards on every purchase.

Who is American Express Lowe's business card designed for?

This is a credit card issued by American Express National Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 15.74% up to 24.74%.

It also has a variable cash advance APR of 25.24%. Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What fees does it charge?

The following fees apply to this business credit card:

• There is no annual fee.
• A late payment penalty of up to $39.
• A returned payment fee of up to $39.
• There is no overlimit fee

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

• Advertising Services
• Internet, Cable and Phone Services
• Office Supply Stores
• Restaurants
• Warehouse Clubs

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Fraud Liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 528-4800.

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

Does American Express National Bank Lowe's Business Rewards Credit Card report your account activity to credit bureaus?

Yes, American Express National Bank Lowe's Business Rewards Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

• Visit the American Express National Bank .
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.