Does Lowe’s Accept EBT? Answered (+ Other Payment Methods Listed)

Short Answer: Lowe’s does not take EBT — not even for purchases of seeds or plants, which are SNAP-approved items. For more details of the Lowe’s EBT policy and other payment methods Lowe’s accepts, see below.

Does Lowe’s Accept EBT?

Lowe’s home improvement stores do not accept EBT, customer service representatives said. While Lowe’s sells a small number of SNAP-approved items at its on-site garden centers, such as seeds and plants, it does not accept EBT cards or SNAP benefits.

We confirmed this information with a corporate representative for Lowe’s as well as with associates from Lowe’s stores in multiple states.

Note: Lowes Foods, the North Carolina-based supermarket, does accept EBT.

SNAP Retailer Eligibility

EBT cards function like debit cards, except they can only be used to purchase a specific list of items from approved retailers. Retailers are only eligible to accept EBT cards if their inventory or annual sales include a certain amount of staple foods, including fruits, vegetables, dairy products, meats, bread, or cereals.

Lowe’s sells seeds and plants, which are SNAP-approved items but not staple foods. Since Lowe’s does not sell a wide range of staple food items, it is not eligible to become a SNAP retailer.

See our list of grocery stores that accept EBT for other places where you can purchase SNAP-approved items using your EBT card.

Other Payment Methods at Lowe’s

Lowe’s accepts the following payment methods at its stores:

  • Cash
  • Debit cards
  • Lowe’s credit cards (Lowe’s Advantage Card, Lowe’s Business Credit, and Lowe’s Preload Card)
  • Lowe’s gift cards
  • Major credit cards (American Express, Discover, Mastercard, and Visa)
  • Samsung Pay (as previously reported)

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