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Home Depot, Lowe’s, True Value: Which has the best rewards program?

Man in a plaid shirt shopping for power tools at a home improvement store

Home improvement projects aren’t just time-consuming, they also get expensive quickly, which makes it helpful to earn rewards while shopping for the supplies you need. Some of the major home improvement retailers like Home Depot, Lowe's, and True Value offer their own loyalty programs to help dedicated customers earn savings for their loyalty.

As always, it's important to keep product protection in mind when shopping. An extended warranty plan like MulberryCare can help ensure all of your home improvement shopping purchases are covered in case of any accidents or damage.

Top three home improvement rewards programs

From materials for DIY projects to helpful tools and more, home improvement stores have a lot to offer. Home Depot, Lowe's, and True Value stand out from the rest because of their great rewards programs.

1. Home Depot

Home Depot Pro Xtra is a free loyalty program that was initially designed for professionals and contractors, but is now open to anyone. Benefits of joining include job-site delivery, bulk volume pricing, 20% off on paints, stains, and primers, and other exclusive offers. Members can even earn up to $500 each year to redeem for tool rentals.

Here's how the rewards add up:

  • Members earn one point for every dollar spent on qualifying purchases.
  • $5 reward for future purchases once you reach 2,500 points.
  • The Home Depot return policy for Pro Xtra members is 180 days from the date of purchase.

If you sign up for the Home Depot credit card you can gain access to even more rewards, including up to $100 off your first purchase and six months without interest. The more you spend, the more benefits you’ll get, especially when you unlock their elite and VIP membership tiers.

2. Lowe’s

MyLowe’s is a free-to-join loyalty program that provides an array of benefits to members, including free shipping on qualifying items, personalized shopping features, and exclusive deals. It’s simpler than ever to track your online purchases and watch your rewards grow with each order. Whether you’re a frequent visitor to the Lowe’s hardware store or you’re looking for a deal on Lowe’s appliances, this membership is a no-brainer—especially since it doesn’t come at any cost to you.

Here's how the rewards add up:

  • Earn 2 points for every dollar spent.
  • $5 reward once you reach 500 points.

Like Home Depot, the Lowe's credit card gives you six months interest-free and provides other rewards incentives, like 5% off all purchases.

3. True Value

The True Value hardware loyalty program is called True Value Rewards. Like the options above, it’s free to join and offers members exclusive discounts, coupons, and special offers.

Here's how the rewards add up:

  • Get 10 points for each dollar you spend.
  • Unlock a $5 reward when you reach 2,500 points.

The True Value credit card includes 3% cashback on all purchases and six months of deferred interest.


At the end of the day, since these rewards programs are very similar, you’re better off choosing whichever retailer is the most convenient for your home and business needs. For instance, if you're a contractor or do a lot of home improvement projects, Home Depot Pro Xtra may be the best fit for you. If you are focused on quick rewards, True Value has the highest reward accumulation rate, and if you prefer a personalized shopping experience, Lowe’s has your back.

Just remember, before you sign up for anything, install the Mulberry browser extension and make sure you redeem three free months of product protection on eligible items and even earn additional rewards!

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Kim Miller

About the author

Kim Miller is the Head of Marketing at Mulberry. She is passionate about building products and brands that make consumers happy, save them money and make their lives easier. Have an innovative idea for Mulberry you'd like to share? Give her a shout! She'd love to chat about anything from fintech and UX to gardening and antiquing.

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