Lowe's Becomes Bilt's Exclusive Home Improvement Partner

Lowe's now reaches more than 8 million Bilt members as the housing rewards platform's exclusive home improvement partner, under a tie-up announced Nov. 10. Members can earn one Bilt Point per dollar on eligible Lowe's purchases, and a curated Lowe's marketplace inside Bilt is slated for 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 deal runs on Bilt's new Neighborhood OS, an AI-powered commerce platform that targets nearby consumers with personalized offers and loyalty benefits. Bilt claims its AI agents completed more than 2 million actions across more than 29,000 businesses in the 30 days before the announcement, with 91% requiring no human intervention. Impressive numbers — but they're self-reported, and Bilt doesn't define what counts as an "action."

Lowe's ranks No. 9 in Digital Commerce 360's Top 1000 Database of North America's largest online retailers, and No. 90 in Digital Commerce 360 and ReFiBuy's AI Commerce Rankings.

How do the rewards actually stack up?

Bilt members can link an existing MyLowe's Rewards account — or create one — to earn Bilt Points and MyLowe's Money on the same purchases. MyLowe's Rewards includes free shipping and member-only deals. Account matching arrives in December, the companies said.

The partnership adds Lowe's to Bilt's network of more than 50,000 merchant partners nationwide, including restaurants and fitness studios. Neighborhood OS can push offers based on where members live and steer them to nearby stores.

Members can also pay for Lowe's HomeCare+ — a $99-a-year subscription covering two in-home visits by trained associates and up to seven maintenance services — using Bilt Points, Bilt Cash or a linked card. Subscribers get 5% off products used during those visits plus Gold MyLowe's Rewards status. There's a catch worth noting: HomeCare+ is available only in select ZIP codes and auto-renews annually. Neighborhood OS handles enrollment, address-level service checks and payment processing.

What does Neighborhood OS do for merchants?

The platform plugs into businesses' existing payment, reservation and customer-management systems, letting merchants target nearby shoppers, recognize returning customers and track promotion-linked spending.

"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. AI agents also manage reservations, customer communications and marketing.

Founded in 2021, Bilt has grown beyond rent rewards into mortgage rewards, local shopping, travel and home services. The company pegs annual in-person U.S. retail and food-services spending at roughly $6.6 trillion, and says its members generated more than $12 billion in rewarded commerce at local businesses over the past 12 months.

Does loyalty actually move spending?

Lowe's brings scale to the table. MyLowe's Rewards counted more than 30 million members in the retailer's 2025 annual report — members who shopped twice as often and spent more than 50% more than nonmembers.

Bilt's first State of the Neighborhood 2026 study, conducted by 451 Research by S&P Global among 6,591 U.S. adults in March and April 2026, found 95% of respondents would try a local business at least once if they could earn rewards there. Another 87% said they'd shop more frequently at businesses offering incentives. Two-thirds of Americans make at least 80% of everyday spending within their neighborhoods, with a median shopping radius of 15 miles from home.

In short: the loyalty math favors partners with physical footprints.

Who else is joining Bilt's network?

Lowe's isn't alone. Home-services marketplace Thumbtack will connect members with maintenance and repair professionals. Meta will partner with Bilt to support small-business owners starting in 2027.

Payments and point-of-sale providers Adyen, Verifone, Shift4 and Clover from Fiserv are on board, along with Grubhub and OpenTable, so merchants can connect through systems they already run. Mastercard is working with Bilt on potential cardholder benefits at participating merchants.

Neighborhood OS rolls out to businesses nationwide in phases beginning in 2027, alongside additional launches for Bilt's expanded membership platform — meaning Lowe's gets a head start of more than a year before the network fills in around it.