Can I Use a Gift Card to Pay My Lowes Credit Card Bill?

Lowe’s is one of the most popular home improvement retailers in the United States. The store offers a wide selection of tools, appliances, lumber, flooring, paint, gardening supplies, and more for home DIY projects.

Lowe’s also has its own credit card to help finance large purchases and projects, The Lowe’s Advantage Card and Lowe’s Business Rewards Card provide 5% off everyday purchases and interest-free financing offers

If you have a Lowe’s credit card, you likely want to pay your bill on time each month to avoid interest charges. But what if you received a Lowe’s gift card for your birthday or the holidays? Can you use gift cards to pay a Lowe’s credit card bill?

Ways to Pay a Lowe’s Credit Card Bill

There are several ways to pay your Lowe’s credit card bill:

• Pay online through your Lowe’s account
• Pay by phone
• Pay by mail with check or money order
• Pay in person at a Lowe’s customer service desk

The most convenient options are paying online or by phone But many people wonder if Lowe’s accepts gift cards as a form of payment for credit card bills

Are Gift Cards Accepted for Lowe’s Credit Card Payments?

Unfortunately, Lowe’s does not allow you to pay your Lowe’s credit card bill directly with a Lowe’s gift card. Gift cards can only be used for purchasing merchandise and services in Lowe’s stores or on Lowes.com.

You cannot use a Lowe’s gift card number when making a payment through the automated phone system or online portal. Gift cards are not accepted for credit card payments made by phone, mail, or in person.

While you can’t pay your actual credit card bill with a gift card, there are some workarounds to use gift cards towards your Lowe’s account balance.

How to Use Lowe’s Gift Cards for Your Credit Card Bill

If you receive a Lowe’s gift card and want to put it towards your credit card balance, you have a couple options:

Purchase a Money Order with the Gift Card

Take your gift card to the customer service desk at any Lowe’s location. You can purchase a money order using funds from your gift card. Make the money order out to Lowe’s credit card payments and mail it along with your payment slip.

This allows you to pay your credit card bill by mail using the value of the gift card. Just note that Lowe’s charges a small fee for money orders, usually around $1.50.

Buy Merchandise to Resell

Another idea is to use the Lowe’s gift card to purchase popular items in the store. You can then resell the merchandise for cash. Use the cash proceeds to make an online, phone, or mail payment to your credit card.

Best items to buy and resell are smaller appliances, tools, smart home gadgets, or anything new in package that’s easy to list online. Shop clearance for maximum profit. This takes more time and effort but allows you to get cash from an otherwise restricted gift card.

Exchange for a Visa or Mastercard Gift Card

Instead of keeping the Lowe’s gift card, you can exchange it for a general Visa or Mastercard gift card at the customer service desk. This will likely come with a fee of a few dollars.

However, once you have a branded gift card, you can use the card number to make a payment on your Lowe’s credit card online, by phone, or through any payment processor. This involves extra fees but can convert your Lowe’s gift card into a bill payment.

Get Cash Back with Purchases

When checking out with your Lowe’s gift card, you can get cash back if you exceed the gift card balance. For example, make a $50 purchase with a $25 gift card. When prompted for the remaining $25, select cash back and enter your debit card. You’ll get $25 cash that can go toward your credit card bill.

Making Regular Lowe’s Credit Card Payments

While gift cards can’t directly be used to pay your bill, you do have easy and convenient payment options:

• Pay online through your Lowe’s account by debit card, bank account, or electronic check. Sign up for automatic payments to avoid missing deadlines.

• Pay by phone using the automated system and your credit card, debit card, or bank details. Avoid fees by not choosing the express pay option.

• Pay by mail with a personal check or money order to the payment address listed on your statement. Allow 5-7 days for mail delivery.

• Pay in person at any Lowe’s customer service desk by cash, check, or credit/debit card. Get a receipt as proof of payment.

Be sure to pay at least the minimum due each month by the due date to avoid late fees and interest charges. Pay the full balance whenever possible to keep your account in good standing.

Making the Most of Lowe’s Gift Cards

While you can’t directly use Lowe’s gift cards to pay your credit card bill, you can enjoy big savings with them on your Lowe’s purchases. Here are some tips:

• Use gift cards for expensive items like appliances to get interest-free financing.

• Save gift cards for larger projects like a kitchen remodel rather than small purchases.

• Buy discounted gift cards to maximize your savings on big ticket items.

• Stack gift cards with coupons, sales, and Lowe’s credit card 5% off for huge discounts.

• Re-gift unused gift card balances to friends or family planning Lowe’s purchases.

• Purchase Lowe’s gift cards for yourself to hedge against future price increases and get 5% off everyday.

Lowe’s gift cards make great gifts and provide savings on future projects and purchases. While you can’t directly use them for credit card payments, a little creativity can help you free up gift card funds to put towards your balance. Follow payment best practices and take advantage of financing offers to manage your Lowe’s credit card responsibly.