Bilt and Lowe's: Earn 1X Bilt Points and Pay for HomeCare+ With Bilt Cash
Since November 10, 2026, linking MyLowe's Rewards to Bilt earns 1X Bilt Points at Lowe's, and up to $99 in Bilt Cash a year can pay for Lowe's HomeCare+.
Bilt and Lowe's launched a partnership on November 10, 2026: Bilt members who link a MyLowe's Rewards account to Bilt now earn 1 Bilt Point per $1 on net eligible purchases at Lowe's, on top of the rewards they already collect. The second piece lets members buy a Lowe's HomeCare+ subscription inside the Bilt app or website and pay with Bilt Cash, Bilt Points or a linked card. Everything below comes from the Bilt x Lowe's offer terms.
Lowe's is now Bilt's exclusive home improvement partner. The deal is part of Bilt Neighborhood OS, a merchant platform Bilt introduced the same day; most of that launch targets businesses, so the Lowe's earning and the HomeCare+ redemption are the two pieces a Bilt Rewards member can act on today.
How to earn 1X Bilt Points at Lowe's
The bonus point is tied to your Lowe's account, not to a payment card or a special landing page. Linking happens in the Bilt app or on the Bilt website, and you can connect an existing MyLowe's Rewards account or open a new one during the process.
Once the two accounts are linked, a purchase qualifies when you are:
- Online: signed into your MyLowe's Rewards account when you check out
- In store: scanning your MyLowe's Rewards member ID, or entering the phone number on that account at checkout
Bilt Points post within 5 to 7 days after the transaction posts. Net purchases means purchases minus returns and credits, and points earned on an item you later return are reversed. Purchases made before you link the accounts earn nothing under this offer.
Lowe's says automatic matching with an existing MyLowe's Rewards account is coming in December 2026, so for now plan on linking manually.
What 1X at Lowe's is worth
The extra point stacks with whatever card you pay with, because it rides on the Lowe's loyalty account. Milesopedia values Bilt Points at 2.2 cents each, so the bonus is worth about 2.2% back on eligible Lowe's spending before your card's own earning. MyLowe's Rewards members also keep earning MyLowe's Money: $5 for every 500 points on eligible purchases.
On a $2,000 appliance order, that means 2,000 extra Bilt Points, plus the points from your card.
Lowe's HomeCare+ through Bilt
HomeCare+ is a Lowe's home maintenance membership priced at $99 per year for a 1-year term. Through Bilt, members can buy it with Bilt Points, Bilt Cash or an eligible card in the Bilt Wallet, and combine the three at checkout.
Each subscription includes two in-home visits per year. At each visit, local Lowe's associates can perform up to seven services:
- Electric dryer vent cleaning
- HVAC air filter replacement
- Refrigerator water filter replacement
- Electric water heater flush (one heater under 10 years old)
- Garage door lubrication
- Smoke and carbon monoxide detector battery replacement
- Light bulb replacement (up to 30 bulbs)
Replacement parts are not included: you buy the filters, batteries and bulbs yourself, with a 5% discount on those service items. Subscribers are also upgraded to Gold status in MyLowe's Rewards. HomeCare+ is available in select zip codes only.
| Feature | Details |
|---|---|
| Earning at Lowe's | 1 Bilt Point per $1 on net eligible purchases |
| Requirement | MyLowe's Rewards account linked to Bilt |
| Points posting | 5 to 7 days after the transaction posts |
| HomeCare+ price | $99 per year, 1-year term |
| HomeCare+ visits | 2 per year, up to 7 services per visit |
| Bilt Cash cap | Up to $99 per year toward HomeCare+ |
| Availability | Select zip codes only |
Paying with Bilt Cash or Bilt Points
Bilt Cash covers up to $99 of HomeCare+ per year, which is the full price. You choose at purchase and at each renewal whether to apply that annual credit, and any unused part of the $99 cannot go toward another purchase.
Bilt Points also work, at the redemption rate shown in the Bilt app or website at checkout. Bilt has not published a fixed points price. Compare that rate with transfer partners before spending points here: if you are sitting on Bilt Cash, it is the better currency for HomeCare+. Our look at the Bilt 2027 program changes explains why Bilt Cash now expires 12 months after it is earned.
This is the second home services redemption Bilt has added this month, after Bilt Cash for Thumbtack.
Renewal and refunds
The subscription renews automatically through Bilt every 12 months at the price then displayed, unless you turn off auto-renew. Bilt sends a reminder before each renewal. You can cancel within 30 days of purchase or of a renewal for a refund, as long as you have not used any HomeCare+ benefit; after that, only auto-renew can be turned off.
Bottom Line
Link your MyLowe's Rewards account in the Bilt app before your next Lowe's run: it costs nothing, and every eligible dollar after that earns an extra Bilt Point. Buy HomeCare+ only if your zip code qualifies and you would use the visits, and pay with Bilt Cash rather than points. For the best ways to use the points you earn, see our current credit card transfer bonuses, and get the next Bilt change in your inbox with the Milesopedia newsletter.