Lowe’s Companies Inc. has partnered with housing rewards platform Bilt to expand its loyalty reach. The partnership lets Bilt members earn points on Lowe’s purchases and use those rewards toward a home maintenance subscription.
Announced Nov. 10, the tie-up makes Lowe’s Bilt’s exclusive home improvement partner, connecting the retailer with the platform’s more than 8 million members. The companies also plan to launch a curated Lowe’s marketplace within Bilt in early 2027.
“By partnering with Bilt, we can meet customers in a community they already know and love and connect them to Lowe’s products, services and rewards in a way that feels simple and seamless,” said Jen Wilson, Lowe’s executive vice president and chief marketing officer, in the company’s announcement.
The partnership runs on Bilt’s new Neighborhood OS. The artificial intelligence (AI)-powered commerce platform helps businesses reach nearby consumers with personalized offers and loyalty benefits.
Lowe’s ranks No. 9 in Digital Commerce 360’s Top 1000 Database. The market research tool tracks North America’s largest online retailers by their annual ecommerce sales.
Lowe’s is No. 90 in Digital Commerce 360 and ReFiBuy’s AI Commerce Rankings. That set of rankings is available in the Top 1000 Pro with AI Database.
How Lowe’s and Bilt rewards work together
Bilt members can now earn rewards through both loyalty programs.
Its members can link an existing MyLowe’s Rewards account — or create one — to earn one Bilt Point per dollar on eligible Lowe’s purchases. Additionally, they can earn MyLowe’s Money through the retailer’s loyalty program. MyLowe’s Rewards benefits include free shipping and exclusive member deals.
The agreement adds Lowe’s to Bilt’s network of more than 50,000 merchant partners nationwide, including restaurants and fitness studios. Through Neighborhood OS, Lowe’s can reach members with offers and rewards based on where they live and direct them to nearby stores.
The partnership also gives members another way to pay for Lowe’s home maintenance services. Bilt members can use Bilt Points, Bilt Cash or a linked payment card to purchase a Lowe’s HomeCare+ subscription, the companies said.
The subscription costs $99 annually and includes two in-home visits by trained Lowe’s associates, covering up to seven maintenance services. Subscribers also receive 5% off products used during those services and Gold MyLowe’s Rewards benefits. HomeCare+ is available in select ZIP codes and renews each year automatically.
Bilt’s Neighborhood OS manages enrollment, checks service availability at members’ addresses and processes subscription payments, Lowe’s said. The companies plan to add matching with existing MyLowe’s Rewards accounts in December.
How Bilt Neighborhood OS uses AI to connect businesses and shoppers
Bilt’s Neighborhood OS connects with businesses’ existing payment, reservation and customer-management systems. This allows merchants to target nearby shoppers with offers, recognize returning customers and track spending tied to promotions.
“For example, a neighborhood restaurant can identify prospective customers, launch a targeted offer to bring them in, recognize them when they visit, and automatically apply the appropriate benefit through its existing point-of-sale system,” Bilt said in its announcement.
The platform also uses AI agents to manage tasks such as reservations, customer communications and marketing across those connected systems.
In the 30 days before its announcement, Bilt said its AI agents completed more than 2 million actions across more than 29,000 businesses, with 91% of those actions requiring no human intervention.
The platform builds on Bilt’s expansion beyond rent rewards. Founded in 2021, the company has added mortgage rewards, local shopping, travel and home services.
Bilt estimates that roughly $6.6 trillion in annual U.S. retail and food-services spending takes place in person. Its members generated more than $12 billion in rewarded commerce at local businesses over the past 12 months, the company said.
How loyalty rewards influence shopping behavior
Lowe’s brings an established loyalty program to the partnership. MyLowe’s Rewards had more than 30 million members, who shopped twice as often and spent more than 50% more than nonmembers, the retailer said in its 2025 annual report.
Bilt’s research points to consumers’ willingness to try nearby businesses that offer rewards. In its first-ever State of the Neighborhood 2026 study, 95% of respondents said they would try a local business at least once if they could earn points or rewards there. Another 87% said they would shop more frequently at a local business offering those incentives.
The study also found that two-thirds of Americans make at least 80% of their everyday spending within their neighborhoods, with the median consumer shopping within 15 miles of home. Conducted by 451 Research by S&P Global on Bilt’s behalf, the survey covered 6,591 U.S. adults in March and April 2026.
Bilt expands partnerships across retail, technology and services
Lowe’s is among several partners joining Bilt’s expanded commerce network. Others include home-services marketplace Thumbtack, which will connect members with professionals for maintenance and repairs, and Meta, which is partnering with Bilt to support small-business owners starting in 2027.
Bilt is also working with payments and point-of-sale providers Adyen, Verifone, Shift4 and Clover from Fiserv, along with restaurant and commerce platforms Grubhub and OpenTable. Those partnerships are designed to let merchants connect with Bilt through systems they already use. Separately, Bilt is working with Mastercard on potential cardholder benefits and experiences at participating merchants.
Neighborhood OS is being introduced to businesses nationwide. Bilt said technology integrations will roll out in phases beginning in 2027, alongside additional launches for its expanded membership platform.
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