Gift Cards at Lowe's: The Complete List of Brands, Fees & Where to Buy (2026)

If you're standing in a Lowe's aisle wondering whether the gift card rack is worth digging through, or you're on Lowes.com trying to figure out what you can actually send someone, we get it. Lowe's is a home improvement store first, and its gift card situation reflects that: one very flexible house card, plus a rotating cast of third-party brands that depends entirely on which store you walk into. Here's the real picture before you spend a dollar.

Gift Card Brands Available at Lowe's

The simplest thing to understand is that Lowe's sells two very different kinds of gift cards, and they don't live in the same place.

Lowe's Branded Gift Cards

Lowe's sells its own gift cards and e-gift cards, and that's the only thing you can buy online at Lowes.com. These are the cards you want if the recipient is actually working on a house, a yard, a garage, or a rental property. They're redeemable on merchandise and services at any U.S. Lowe's store or on Lowes.com, including installation, tool rental, and Daily Deals. If you're shopping for someone who's mid-renovation, this is the practical pick, and it pairs nicely with a physical gift like the ones in our guide to tool gifts for him.

Third-Party Gift Cards (In-Store Only)

This is where it gets interesting and also where we have to be careful. Lowe's has historically carried a wide in-store selection of other-brand gift cards on racks near checkout or customer service. A detailed 2023 compilation listed more than 140 brands, though a 2025 source suggested the current in-store offering may be more limited, leaning toward popular dining and entertainment cards. Selection varies significantly by store and changes over time, so treat any list as a starting point, not a guarantee. Here's how that broader selection has broken down by category:

• Dining and restaurants: Starbucks, Applebee's, Olive Garden, Outback Steakhouse, Red Lobster, Chili's, Panera Bread, Chipotle, Subway, Pizza Hut, Domino's, Papa John's, Cracker Barrel, The Cheesecake Factory, TGI Fridays, Texas Roadhouse, P.F. Chang's, IHOP, Wendy's, Burger King, Dairy Queen, Sonic, Jersey Mike's, Firehouse Subs, Panda Express, Red Robin, Ruby Tuesday, Golden Corral, Bob Evans, Carrabba's, LongHorn Steakhouse, BJ's Restaurant, plus multi-restaurant cards like Darden, Bloomin' Brands, and Brinker.
• Entertainment, gaming, streaming and movies: AMC, Regal, Fandango, Xbox Live, PlayStation Store, Nintendo eShop, Roblox, Fortnite, GameStop, Netflix, Hulu, Google Play, Sirius XM, Sling, TopGolf, and Go Play Golf.
• Retail, apparel and specialty: Amazon, Target, Kohl's, Macy's, Nordstrom and Nordstrom Rack, Gap and Old Navy, H&M, American Eagle, Lululemon, Sephora, Ulta, Bath & Body Works, Nike, Foot Locker, Finish Line, DSW, Marshalls and T.J. Maxx, Michaels, Joann, Crate & Barrel, Williams Sonoma, Pottery Barn, REI, Bass Pro and Cabela's, Dick's, AutoZone, PetSmart, Staples, Barnes & Noble, Claire's, Forever 21, PacSun, Sally Beauty, Pandora, The Children's Place, Talbots, J.Crew, and L.L.Bean.
• Travel and services: Southwest Airlines, Delta, Amtrak, Airbnb, Hotels.com, Carnival Cruises, Uber and Uber Eats, DoorDash, Grubhub, Shipt, HelloFresh, Groupon, eBay, QVC, Fanatics, and Spa Finder.
• Prepaid and phone cards: Visa, Mastercard, and American Express gift cards, plus AT&T Prepaid, T-Mobile, Verizon, Boost Mobile, Tracfone, Net10, and Total Wireless.

One thing worth knowing: Lowe's does not sell competitor Home Depot gift cards, which makes sense, and there's no third-party gift card marketplace online at Lowes.com. If a brand isn't in your local store's rack, you're not going to order it from Lowe's website.

Denominations, Fees, and Purchase Limits

Lowe's own cards are refreshingly simple. You can load any whole-dollar amount from $5 to $2,000 per card, and there are standard or customized designs if you want something a little nicer than the plain plastic. You can buy multiple cards in a single transaction with no publicly documented overall purchase limit beyond that per-card maximum.

The fee situation is about as clean as it gets:

• No activation fees, no dormancy or inactivity fees, no service fees. A card with a remaining balance never expires and never loses value to fees.
• No reloading on e-gifts. Physical cards purchased and activated in-store can be reloaded in-store. E-gift cards cannot.
• Daily redemption cap: no more than $2,000 from a single card in a single day.
• Caveat on dormant cards: a card at a $0 balance for 90 days is deactivated for security and can't be reloaded or reused. That's not a fee, but it's a detail people miss.

Third-party cards are a different story. Fixed denominations are typically $5, $10, $25, $50, or $100, sometimes up to $500, and the exact options are set by the brand. Closed-loop retail and restaurant cards generally carry no purchase fees. Open-loop prepaid cards like Visa, Mastercard, and American Express typically do, commonly in the $3 to $9-plus range, paid at purchase. That fee is the main reason we'd steer most gift-givers toward a closed-loop card unless the recipient specifically wants a general-purpose prepaid card.

In-Store vs. Online Availability

Here's the split that matters most. Online at Lowes.com, you can buy physical Lowe's gift cards that ship to you, or e-gift cards that arrive electronically, often instantly. That's it. Lowe's does not sell third-party or other-brand gift cards online. Full stop.

In-store, you've got both. Lowe's cards are available at registers or the Pro Desk, and third-party cards live on racks near checkout or customer service, where they are entirely store-dependent. This is the least static part of the whole equation. A store that carried a deep wall of restaurant and gaming cards two years ago may now carry a slimmer, more curated selection. If you're making a special trip for a specific brand, call ahead or plan to browse what's actually there rather than counting on a particular card.

Bulk and corporate gift card orders go through dedicated Lowe's support rather than the normal checkout flow, which is worth knowing if you're buying for a team or a client list. And whenever you're buying a gift card anywhere, it's smart to know how the recipient will check the balance later. If a third-party brand you pick from the rack happens to be one with a dedicated balance page, like Olive Garden or IHOP, you can point them there.

MyLowe's Rewards and Gift Cards

MyLowe's Rewards is Lowe's free loyalty program, with Bronze, Silver, and Gold Key tiers based on annual spend and earn rates that typically run about 1, 1.25, or 1.5 points per dollar on eligible purchases. Points convert to MyLowe's Money at $5 per 500 points, added to your account wallet. It's a genuinely useful program if you shop at Lowe's regularly.

But here's the part to know before you try to game it: gift card purchases are generally treated as excluded. Secondary sources, including gift card buying guides that reference Lowe's practices, consistently report that MyLowe's Rewards points do not accrue on gift card purchases, and MyLowe's Money cannot be redeemed on gift cards, including Lowe's own branded ones. We'd treat that as the working assumption rather than plan a points strategy around buying cards. MyLowe's Money and points also have their own expiration rules, with Money often running about 60 days.

One more thing worth memorizing before you buy: gift cards of every type at Lowe's, including its own cards, third-party cards, and prepaid Visa/Mastercard-style cards, are explicitly nonrefundable and excluded from normal returns and exchanges. If you pay for a purchase with a gift card, the refund typically comes back as in-store credit. So buy deliberately.

Frequently Asked Questions

Can I buy a Lowe's gift card online and have it delivered instantly?

Yes. Lowe's sells e-gift cards on Lowes.com that are delivered electronically, often instantly. Physical Lowe's gift cards can also be ordered online and shipped. Just know that only Lowe's own cards are sold online. Third-party brand gift cards are in-store only.

Do Lowe's gift cards ever expire or lose value?

No. Cards with a remaining balance never expire and never decrease in value due to fees, because Lowe's charges no activation, dormancy, or service fees. The one exception is a card sitting at a $0 balance for 90 days, which gets deactivated for security and can't be reloaded or reused.

Can I use a Lowe's gift card to buy another gift card?

No. Lowe's gift cards cannot be used to purchase any other retailer or third-party gift cards. They also can't be redeemed for cash except where required by law, and they can't be used to pay on charge accounts or credit cards.

What's the maximum I can load onto a single Lowe's gift card?

Any whole-dollar amount from $5 up to $2,000 per card. You can buy and stack multiple cards in one transaction with no publicly documented overall purchase limit beyond that per-card maximum. Note that redemption is capped at $2,000 from a single card in one day.

How do I check the balance on a Lowe's gift card?

Three ways: online at Lowes.com/GiftCards, by phone at 1-800-560-7172, or at any store customer service desk. If a card is lost or stolen, it can only be replaced with the original sales receipt for the remaining balance, so keep that receipt if the card is a gift.