Frequent shoppers of Lowe's can benefit significantly from the variety of in-store credit card options that they offer. The Lowe's Consumer credit card is for everyday consumers and weekend warrior DIY types, while the Lowe's Business Rewards card is targeted for contractors and businesses. Each has its unique set of benefits.

The Lowe's Consumer credit card is a solid choice for the average homeowner, shopping periodically for home improvement supplies. This might include the occasional painting project, yard maintenance, bathroom remodel, or really any other DIY project you might think of. This card offers discounts on eligible purchases too, so saving a few bucks on those projects you spend so much time and effort on can be a nice bonus.

Lowe's business credit card offerings include the Lowe's Business Account, Lowe's Accounts Receivables, and the aforementioned Lowe's Business Rewards card from American Express. All of these cards offer discounts on everyday purchases, easy-to-understand statements, and low monthly payments, with no annual fee. But the true rewards come into play with the Business Rewards card, which earns users points at restaurants, office supply stores, wireless telephone services and all other purchases—and everything is redeemable for Lowe's and American Express gift cards.

It's fair to say that the Lowe's Consumer credit card is a decent option for most homeowners but the Lowe's Business Rewards card from American Express is where the real appeal lies at Lowe's—an excellent choice for the serious shopper planning a large DIY project or handyman types and small home improvement business owners who spend large amounts of money at Lowe's on a regular basis.