The Maze: U.S. home improvement retailer Lowe’s is teaming up with Bilt, a U.S. membership program that started by offering rewards on housing payments. Bilt members can now link their Lowe’s loyalty account to earn Bilt points on eligible purchases. And, where Lowe’s offers its HomeCare+ maintenance plan, they can use Bilt rewards to help pay for a subscription. Bilt is now a place to buy the service; Lowe’s still sends the person who changes the filter.
Source: Lowe’s HomeCare+. Lowe’s advertises the $99 annual plan with two visits a year. Availability depends on the address.
Video: Lowe’s Home Improvement. In an earlier HomeCare+ promotion, a Lowe’s associate performs routine maintenance in a customer’s home. The video predates the Bilt partnership.
The details
💳 Link the accounts before shopping. Members can connect or create a free MyLowe’s Rewards account through Bilt. After that, eligible online and in-store purchases earn one Bilt Point per dollar after credits and returns. A shopper can identify their linked Lowe’s rewards account at the register by scanning it or using its phone number. That means they do not need to pay with a card linked to Bilt for Lowe’s to recognize the purchase. Past purchases do not qualify.
🛠️ Pay through Bilt, book through Lowe’s. Lowe’s lists HomeCare+ at $99 a year. The subscription renews automatically unless canceled. The plan covers two visits for routine work such as replacing air filters; replacement supplies are separate. Bilt checks whether the home is in a participating area, which requires a qualifying ZIP code within a 40-minute drive of a participating store. If the address qualifies, the member can use Bilt Points, a separate balance called Bilt Cash, a linked card, or a combination to buy the plan in Bilt. Appointments are then booked with Lowe’s.
🛍️ The product storefront comes later. Lowe’s is Bilt’s exclusive home improvement partner. For now the deal connects the rewards accounts and gives eligible members a way to buy the subscription. The companies plan to add a curated Lowe’s marketplace within Bilt in early 2027. They have not announced the assortment or the results of the partnership.
Our take
Lowe’s can learn whether a partner brings it more customers before it starts selling merchandise there. The useful test is whether those customers would have bought anything from Lowe’s anyway, and whether the retailer can serve them at a cost that makes the deal worthwhile.
🔁 Track customers the retailer would have missed. Lowe’s introduced HomeCare+ to its own loyalty members in March. Bilt gives people a new way to find and pay for the plan while Lowe’s keeps its existing appointment process. A subscription sold through Bilt could be a new customer or someone who would have bought through Lowe’s directly. Compare signups and later product purchases with similar customers who did not get the Bilt offer before giving the new channel credit for growth.
📍 Count homes you can actually serve. Bilt says it has more than eight million members. That is the size of its network, not the number of households that can book a visit. Each subscription requires work from a participating store, so a surge in links can look impressive while doing little for the service business. The numbers to watch are eligible addresses, subscriptions sold there, and appointments completed. Neither partner disclosed those figures at launch.
