How to Use Your Lowe's Gift Card at Checkout (Online & In-Store)
As of August 2026, Lowe's gift cards work at checkout both online and in physical stores across the United States. Whether you received a digital code or a physical card, the process is straightforward once you know where to enter the details. This guide walks you through using your Lowe's gift card balance at lowes.com and at in-store registers, including how to split payments if your purchase exceeds the card value.
How to Use Your Lowe's Gift Card at Online Checkout
Using a Lowe's gift card on lowes.com takes just a few steps during the payment stage.
Step 1. Add items to your cart and proceed to checkout as usual.
Step 2. On the payment page, look for the section labeled "Gift Cards" or "Apply Gift Card."
Step 3. Enter your 16-digit card number and the 4-digit PIN (found on the back of physical cards or in the email for digital cards).
Step 4. Click "Apply." The gift card balance will be deducted from your order total. If the card covers the full amount, you're done. If there's a remaining balance, you'll be prompted to add another payment method for the difference.
Step 5. Complete your order. The gift card balance is applied immediately, and any unused portion stays on the card for future purchases.
For Nigerians who received a Lowe's gift card but prefer cash instead, Cardhorse offers competitive rates to convert it to Naira at https://www.cardhorse.com/
How to Use Your Lowe's Gift Card In-Store
At physical Lowe's locations, you can use your gift card at any register.
Step 1. Bring your physical card or pull up the digital card details (card number and PIN) on your phone.
Step 2. At checkout, tell the cashier you're paying with a gift card.
Step 3. Hand over the physical card to be swiped, or provide the card number and PIN if using a digital code.
Step 4. The register will deduct the purchase amount from your gift card balance. If the card doesn't cover the full total, you can pay the remaining amount with another payment method.
The cashier can also check your remaining balance after the transaction if you ask.
Using Part of the Balance and Combining Payment Methods
Lowe's gift cards don't need to cover your entire purchase. You can use the available balance and pay the rest with a credit card, debit card, or another gift card.
Online: After applying your gift card at checkout, the system automatically prompts you to add a second payment method if there's a remaining balance. Enter your card details and complete the order.
In-Store: Tell the cashier you want to split the payment. They'll apply the gift card first, then ask for another payment method to cover the difference.
If your gift card has a small balance left over, you can continue using it on future purchases until the balance reaches zero. Lowe's gift cards do not expire, so there's no rush to use the remaining funds.
Tips for a Smooth Checkout Experience
1. Check Your Balance First — Before heading to checkout, verify your gift card balance at lowes.com/check-balance or by calling 1-800-560-7172. This prevents surprises if the card has less than you expected.
2. Keep Your PIN Handy — Physical cards have a scratch-off PIN on the back. Digital cards include the PIN in the email. You'll need it for both online and in-store purchases.
3. Use Multiple Gift Cards if Needed — Lowe's allows you to apply more than one gift card to a single transaction, both online and in-store. If you have several cards with small balances, combine them to cover a larger purchase.
4. Save Your Receipt — If you're using a gift card for a purchase you might return, keep the receipt. Refunds are typically credited back to the original payment method, which means the balance returns to your gift card.
5. Watch for Partial Declines — If your card doesn't have enough balance to cover the purchase, the transaction may decline entirely rather than partially applying the available amount. In that case, ask the cashier or payment system to charge the exact balance on the card, then use another method for the rest.
Sell Your Gift Card Anywhere, Anytime
The Cardhorse app lets you check live rates, submit your card, and receive payment directly to your account — all from your phone.
Frequently Asked Questions
Can I use a Lowe's gift card to buy another gift card?
No. Lowe's does not allow gift cards to be used to purchase other gift cards, either in-store or online.
What happens if I return an item I bought with a gift card?
The refund is credited back to the original gift card. If you no longer have the card, Lowe's may issue a merchandise credit instead.
Can I use a Lowe's gift card outside the United States?
Lowe's gift cards are only valid at U.S. locations and on lowes.com. They cannot be used at international retailers or Lowe's locations in other countries.
Do Lowe's gift cards expire?
No. Lowe's gift cards do not have expiration dates, and there are no fees for non-use. You can hold the balance indefinitely.
Can I reload a Lowe's gift card after it's been used?
No. Lowe's gift cards are not reloadable. Once the balance is spent, the card cannot be topped up.
If you have a valid, unredeemed Lowe's gift card you'd rather convert to cash, Cardhorse provides a live rate and fast payment typically within minutes.
Sell Your Lowe's Gift Card on Cardhorse →
Part of: Lowe's Gift Cards
Prev : How to Check Your Greendot Gift Card Balance – Easy Methods
Next : How to Use Your Lululemon Gift Card at Checkout (Online & In-Store)
As of August 2026, Lowe's gift cards work at checkout both online and in physical stores across the United States. Whether you received a digital code or a physical card, the process is straightforward once you know where to enter the details. This guide walks you through using your Lowe's gift card balance at lowes.com and at in-store registers, including how to split payments if your purchase exceeds the card value.
How to Use Your Lowe's Gift Card at Online Checkout
Using a Lowe's gift card on lowes.com takes just a few steps during the payment stage.
Step 1. Add items to your cart and proceed to checkout as usual.
Step 2. On the payment page, look for the section labeled "Gift Cards" or "Apply Gift Card."
Step 3. Enter your 16-digit card number and the 4-digit PIN (found on the back of physical cards or in the email for digital cards).
Step 4. Click "Apply." The gift card balance will be deducted from your order total. If the card covers the full amount, you're done. If there's a remaining balance, you'll be prompted to add another payment method for the difference.
Step 5. Complete your order. The gift card balance is applied immediately, and any unused portion stays on the card for future purchases.
For Nigerians who received a Lowe's gift card but prefer cash instead, Cardhorse offers competitive rates to convert it to Naira at https://www.cardhorse.com/
How to Use Your Lowe's Gift Card In-Store
At physical Lowe's locations, you can use your gift card at any register.
Step 1. Bring your physical card or pull up the digital card details (card number and PIN) on your phone.
Step 2. At checkout, tell the cashier you're paying with a gift card.
Step 3. Hand over the physical card to be swiped, or provide the card number and PIN if using a digital code.
Step 4. The register will deduct the purchase amount from your gift card balance. If the card doesn't cover the full total, you can pay the remaining amount with another payment method.
The cashier can also check your remaining balance after the transaction if you ask.
Using Part of the Balance and Combining Payment Methods
Lowe's gift cards don't need to cover your entire purchase. You can use the available balance and pay the rest with a credit card, debit card, or another gift card.
Online: After applying your gift card at checkout, the system automatically prompts you to add a second payment method if there's a remaining balance. Enter your card details and complete the order.
In-Store: Tell the cashier you want to split the payment. They'll apply the gift card first, then ask for another payment method to cover the difference.
If your gift card has a small balance left over, you can continue using it on future purchases until the balance reaches zero. Lowe's gift cards do not expire, so there's no rush to use the remaining funds.
Tips for a Smooth Checkout Experience
1. Check Your Balance First — Before heading to checkout, verify your gift card balance at lowes.com/check-balance or by calling 1-800-560-7172. This prevents surprises if the card has less than you expected.
2. Keep Your PIN Handy — Physical cards have a scratch-off PIN on the back. Digital cards include the PIN in the email. You'll need it for both online and in-store purchases.
3. Use Multiple Gift Cards if Needed — Lowe's allows you to apply more than one gift card to a single transaction, both online and in-store. If you have several cards with small balances, combine them to cover a larger purchase.
4. Save Your Receipt — If you're using a gift card for a purchase you might return, keep the receipt. Refunds are typically credited back to the original payment method, which means the balance returns to your gift card.
5. Watch for Partial Declines — If your card doesn't have enough balance to cover the purchase, the transaction may decline entirely rather than partially applying the available amount. In that case, ask the cashier or payment system to charge the exact balance on the card, then use another method for the rest.
Sell Your Gift Card Anywhere, Anytime
The Cardhorse app lets you check live rates, submit your card, and receive payment directly to your account — all from your phone.
Frequently Asked Questions
Can I use a Lowe's gift card to buy another gift card?
No. Lowe's does not allow gift cards to be used to purchase other gift cards, either in-store or online.
What happens if I return an item I bought with a gift card?
The refund is credited back to the original gift card. If you no longer have the card, Lowe's may issue a merchandise credit instead.
Can I use a Lowe's gift card outside the United States?
Lowe's gift cards are only valid at U.S. locations and on lowes.com. They cannot be used at international retailers or Lowe's locations in other countries.
Do Lowe's gift cards expire?
No. Lowe's gift cards do not have expiration dates, and there are no fees for non-use. You can hold the balance indefinitely.
Can I reload a Lowe's gift card after it's been used?
No. Lowe's gift cards are not reloadable. Once the balance is spent, the card cannot be topped up.
If you have a valid, unredeemed Lowe's gift card you'd rather convert to cash, Cardhorse provides a live rate and fast payment typically within minutes.
Sell Your Lowe's Gift Card on Cardhorse →
Part of: Lowe's Gift Cards
Prev : How to Check Your Greendot Gift Card Balance – Easy Methods
Next : How to Use Your Lululemon Gift Card at Checkout (Online & In-Store)
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