Lowe's is now the exclusive home improvement partner of Bilt, the two companies announced on November 10, 2026. Bilt members who link a MyLowe's Rewards account earn 1X Bilt Points on eligible Lowe's purchases. In select zip codes, they can also buy a Lowe's HomeCare+ maintenance subscription with Bilt Cash, Bilt Points or a linked card.
Two pieces arrive later: matching with existing MyLowe's Rewards accounts in December 2026, and a Lowe's marketplace inside Bilt in early 2027. Here's what's live now, what it costs and who it fits.
What Lowe's and Bilt Announced
Lowe's laid out the deal in its press release on the Lowe's newsroom, also carried on PRNewswire. The release says the partnership brings Lowe's products, services and loyalty benefits to Bilt's network of over 8 million members. It also connects Lowe's with Bilt's marketplace of more than 50,000 merchant partners nationwide.
The deal runs on Bilt Neighborhood OS, which Lowe's describes as an AI platform that helps businesses reach new customers in their neighborhood. In practice, it helps members find their closest Lowe's store and shows Lowe's offers based on where they live. Through the partnership, Bilt members can now:
- Connect a MyLowe's Rewards account, or create one, to earn 1X Bilt Points on eligible Lowe's purchases and get benefits like free shipping and exclusive member deals.
- Use Bilt Cash, Bilt Points or a linked card to buy a Lowe's HomeCare+ subscription through Bilt.
"Home improvement is personal, and the best experiences are the ones that make it easier for customers to take care of the place that matters most," said Jen Wilson, Lowe's executive vice president and chief marketing officer.
How the 1X Bilt Points Earning Works
The points are earned on net eligible purchases, which the release defines as purchases minus returns, credits and discounts. You need a linked MyLowe's Rewards account for a purchase to count. Terms and exclusions apply, and Bilt's terms for the offer are at bilt.com/terms/lowes.
The release also says MyLowe's Rewards members earn MyLowe's Money. Lowe's issues $5 in MyLowe's Money for every 500 points earned on eligible purchases that have been settled and fulfilled. Unless stated otherwise, it expires 30 days after it's issued, and you can use up to five per transaction.
There are limits on where MyLowe's Money works. It can't be used on gift cards, including Lowe's gift cards, or on payments to a Lowe's credit card. Free shipping for MyLowe's Rewards members isn't available in Alaska or Hawaii.
What Lowe's HomeCare+ Includes
Bilt sells HomeCare+ through what it calls Bilt Home Maintenance. The subscription includes two annual in-home visits from trained Lowe's associates. Those visits cover up to seven essential home maintenance services.
Members also get 5% off products used during those services, plus Gold MyLowe's Rewards benefits. The plan renews automatically at $99 a year until you cancel. The fee is non-refundable, though you can cancel anytime to avoid future charges.
HomeCare+ is only offered in select zip codes, and the fine print says service products are required. Neighborhood OS checks whether the service is available at your home address before it adds HomeCare+ to your account. It also processes the payment, with options and pricing based on local service availability. Full service terms are at Lowes.com/HomeCareTerms.
Bilt's founder framed the deal around what members do with rewards they already hold. "Members can use their Bilt Cash and Points for services that care for their homes, and earn points on what they buy next," said Ankur Jain, Founder and CEO of Bilt.
Who This Fits, and Who It Doesn't
The earning side suits Bilt members who already shop at Lowe's and are willing to link a MyLowe's Rewards account. Without that link, purchases don't count toward Bilt Points.
HomeCare+ suits homeowners in a covered zip code who want scheduled maintenance visits and would rather pay with Bilt Cash or Bilt Points than a card. It doesn't suit anyone outside those zip codes, since the service won't be offered there. It also isn't a fit if you want a refundable fee, because the $99 charge isn't refunded once it posts.
Shoppers in Alaska and Hawaii should note that the free shipping perk doesn't apply to them. For how Bilt Cash is changing, see Bilt's plan to retire 4% Bilt Cash in 2027.
What You Should Do
The release says Bilt members can connect a MyLowe's Rewards account or create one, and the link is what makes Lowe's purchases eligible for Bilt Points. Bilt's ability to match customers with an existing MyLowe's Rewards account is listed as coming in December 2026.
If HomeCare+ interests you, Bilt checks whether the service is offered at your home address before adding it to your account. Read the terms at Lowes.com/HomeCareTerms before you pay.
For how Bilt's rent and mortgage earning rules work, see our guide to the latest Bilt Rewards terms.
What Changes and When
As of November 10, 2026, you can earn 1X Bilt Points at Lowe's with a linked MyLowe's Rewards account, and you can buy HomeCare+ with Bilt Cash, Bilt Points or a linked card where it's offered. Matching for existing MyLowe's Rewards accounts is set for December 2026. A Lowe's marketplace within Bilt is planned for early 2027. If you're a Bilt member who shops at Lowe's, linking your MyLowe's Rewards account is the step that makes eligible purchases count toward Bilt Points.
