Lowe’s is a popular home improvement store for DIY projects and renovations. If you have a Lowes credit card or charge account, you likely receive a monthly bill for any purchases made When you get gift cards for Lowes, either as a gift or earned through promotions, you may wonder if you can use them to pay your Lowes account balance Unfortunately, Lowes does not allow you to directly apply gift cards towards credit card or charge account bills. But there are some creative workarounds to put your gift cards towards your Lowes balance.
Ways to Pay a Lowes Bill
As a Lowes cardholder, you have several options to pay your monthly bill
- Online through your Lowes account portal
- By phone through the automated system
- By mail with a check or money order
- In person at a Lowes customer service desk
The most convenient ways to pay are typically online or through the automated phone line. Lowes does not accept gift cards as a form of payment for credit card bills through any of these methods.
Are Gift Cards Accepted for Lowes Bill Payments?
Lowes gift cards, e-gift cards, and all other retailer gift cards (Amazon, Visa, etc.) cannot be used to pay a Lowes credit card or charge account balance. When you go to make a payment on your Lowes bill online, by phone, mail or in person, there is no option to enter a gift card number.
Unfortunately, Lowes policy prohibits using gift cards to pay charge accounts. The cards are restricted to only purchasing merchandise and services.
Workarounds to Use Gift Cards for Your Lowes Bill
While you can’t directly pay your Lowes bill with gift cards, there are some creative workarounds to free up the gift card funds and put them towards your account balance:
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Purchase a money order – Use the gift card to buy a money order at Lowes, then mail the money order with your bill payment slip.
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Buy items to resell – Spend the gift card on popular Lowes products, resell them for cash, then use the cash to pay your bill online/by phone.
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Exchange for a prepaid Visa – Swap the Lowes gift card for a branded Visa gift card to pay your bill with the card number.
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Get cash back rewards – When checking out, get cash back over the gift card amount to use towards your bill.
Making Regular Lowes Credit Card Payments
While you can’t directly use gift cards to pay your Lowes account, you still need to make payments each month by the due date. Here are some tips:
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Enroll in autopay through your online account to ensure on-time payments.
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Pay online via the Lowes website by debit card, bank transfer, or e-check for free.
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Use the automated phone line to pay by credit card, debit card, or checking account.
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Mail a check or money order to the payment address printed on your statement.
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Bring cash, check, or card to pay at any Lowes customer service desk.
Always pay at least the minimum due to avoid late fees and interest charges. Paying the full balance monthly keeps your account in good standing.
Using Lowes Gift Cards for Savings
While you can’t directly pay your bill with gift cards, they can still provide huge savings on your Lowes purchases:
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Use them for big, expensive items like appliances to get interest-free financing.
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Save them for large projects rather than small purchases to maximize value.
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Buy discounted Lowes gift cards from resellers to save even more.
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Combine with coupons, sales and 5% off your Lowes card for huge discounts.
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Re-gift unused balances to friends planning Lowes purchases.
Lowes gift cards make great gifts for yourself and others. Follow these tips to maximize savings and work around not being able to pay your bill directly.
Frequently Asked Questions
Can I use one Lowes gift card to pay my Lowes credit card?
Unfortunately no, Lowes gift cards cannot be used to make credit card or charge account payments.
What about using multiple Lowes gift cards to pay my bill?
No, even if you combine balances across multiple Lowes gift cards, you cannot use them to pay a credit card or charge account bill.
Can I use a Home Depot gift card to pay my Lowes account?
No, Lowes will not accept Home Depot or any other retailer’s gift cards for bill payments. Only Lowes merchandise/services.
What if I buy a Visa gift card – can I use that?
Yes, if you exchange your Lowes gift card for a general Visa gift card, you can then use the Visa card number to pay your Lowes bill online, by phone, etc.
Are there any other options besides gift cards to pay my Lowes bill?
Yes, you can conveniently pay your Lowes bill online, through the automated phone system, by mail, or at a Lowes customer service desk. Just not directly with a gift card.
The Bottom Line
While Lowes does not allow you to pay your account balance directly with gift cards, some creative methods can help you free up gift card funds and put them towards your bill. Take advantage of promotions on Lowes gift cards and follow these tips to maximize their value within the payment limitations.
Can I use multiple gift cards to pay my Lowe’s credit card balance?
Yes, you can use multiple gift cards to pay your Lowe’s credit card balance.
What types of gift cards are accepted for Lowe’s credit card payments?
Lowe’s accepts gift cards from major retailers such as Amazon, Target, Walmart, and Visa, among others.