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Short answer: MyLowe’s Pro Rewards is easier to value because Lowe’s publishes a points currency, delivery benefits and clear annual tiers. Home Depot Pro Xtra can be more valuable in practice when Home Depot is already your main supplier, you rent tools often, qualify for Elite or VIP treatment, or use its quoting and account controls. Compare your local inventory, delivery charges, paint spend and rental spend before moving purchases.
Lowe’s renamed the former MVPs Pro Rewards & Partnership Program to MyLowe’s Pro Rewards. The comparison below uses the programs and terms identified by the retailers for 2026.
At a glance: the differences that decide the choice
| Question | Home Depot Pro Xtra | MyLowe’s Pro Rewards |
|---|---|---|
| How rewards work | Threshold-based Perks; the available values and choices appear in the member Rewards Hub. | Published points currency: 100 points equal $1 in MyLowe’s Money. |
| Who can join | Professional customers using the program for business transactions. | Customers with a free Lowe’s Business Account; a credit card is not required. |
| Annual spend structure | Annual qualifying-purchase periods and tiers. Benefits apply in the period earned and the next program period. | Gold Pro: $0–$9,999; Platinum Pro: $10,000–$24,999; Titanium Pro: $25,000 or more in annual qualifying spend. |
| Reward earning ceiling | Perks can be earned on up to $1,000,000 of qualifying purchases per program period. | Points accrue on up to $1.5 million in qualifying purchases. |
| Delivery | The program materials emphasize rental, pricing and account benefits; delivery terms depend on the order. | Free delivery and free same-day delivery on eligible orders over $25, subject to geographic and order restrictions. |
| Paint | Paint rewards through Pro Xtra at participating channels. | 20% member paint discount after $3,000 in annual qualifying paint spend. |
| Business controls | Quotes with price lock for up to seven days, purchaser and administrator roles, spend limits, QuickBooks export and HD Pass. | Spend reports, online order quoting, crew purchase authorization, project management, Scan to Pay, multi-delivery scheduling and QuickBooks/Quicken integration. |
| Credit-card benefit | Qualifying purchases on a registered Home Depot Pro Xtra Credit Card receive four-times credit for Perk calculations. | Pro Credit Card members start at Platinum Pro and receive 5% savings on eligible purchases, subject to credit approval and exclusions. |
| Expiration | For thresholds met on or after January 1, 2026, the member has 60 days to select the Perk. Individual Perk expiration appears in the Rewards Hub. | Points earned January 1–June 30 expire June 30; points earned July 1–December 31 expire December 31. MyLowe’s Money expires 60 days after issuance. |
The table shows why there is no universal winner: Lowe’s makes the cash-equivalent reward predictable, while Home Depot’s return depends on the Perk offered at your threshold and the operational benefits you actually use.
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How Home Depot Pro Xtra works
Eligibility and purchase tracking
Pro Xtra is limited to professional customers using it for business transactions. A purchase counts when you identify yourself with your Pro Xtra ID, use a registered tender, or are signed in to the account tied to the purchase. If a crew member checks out without the account identifier, the spend may not land in the business account, so establish one checkout routine for the whole team.
#1 Best Overall
- Upgrade & Durable Toolbox: The Upgrade toolbox is a multi-functional solution that combines aesthetics and practicality. It features a storage compartment with a separate sliding drawer, offering greater capacity than standard toolboxes. This design allows for organized storage of various tool types, making it easier and quicker to find the tools you need
- Fully Functional & Highly Practical: The 276 Pcs tool set meets Daily Work Needs, easily handling tasks such as furniture repairs, appliance installations, and simple renovations. It includes a variety of common tools, such as screwdrivers, wrenches, pliers, hammers, Needle-Nose Pliers, Saw, drill, They provide convenience and efficiency for our daily lives
- 12V Cordless Drill: 276 Pcs home tool kits includes a 1.5 Ah Cordless Lithium-ion Drill with a 3/8" (10 mm) max keyless chuck, two-speed control and a maximum speed of 1500 RPM. Weighing in at just 1.76 LB, it's incredibly lightweight, it's your ideal companion for tackling various DIY projects
- High-Quality Materials: The tools are crafted from premium materials with a heat-treated chrome finish, ensuring durability and reliability for long-lasting use. The handles are made from TPR material, providing a comfortable grip
- Ideal Gift Choice: The upgraded 276-piece tool set meets the needs of daily home repairs and small projects. This comprehensive and practical hand tool kit makes a thoughtful and useful gift for Father’s Day, Christmas, or any occasion, perfect for fathers and friends alike
Thresholds, tiers and Perks
Home Depot measures qualifying purchases in annual program periods. The first Perk threshold is above $2,500, and Perks can be earned on up to $1,000,000 of qualifying purchases in one program period. Tier benefits apply during the period in which they are earned and the following program period.
Home Depot does not publish one fixed dollar conversion for every Perk. Instead, the Rewards Hub presents the available Perk value and choices after a threshold is reached. Members who meet a threshold on or after January 1, 2026 have 60 days to select it. Check the Hub for the specific expiration date of an issued Perk; do not assume that every Perk follows the same date.
Elite and VIP advantages
Elite and VIP members can receive preferred pricing on selected in-stock items. VIP members can also receive account management and invitations to experiences. These are not blanket discounts on every product: eligibility is tied to the items, tier and terms shown in the account.
Paint, rentals and other program benefits
Pro Xtra includes paint rewards at participating channels, rental perks, HD Pass and exclusive events. Tool-rental frequency therefore matters when comparing the programs. A contractor who already rents equipment from Home Depot may capture value that a points-only calculation misses.
Rank #2
- [Toolbox Included] - Includes 1-Drawer storage box with independent sliding drawer to enlarge the capacity more than common toolbox. Assortment of necessary tools are in one tool chest, durable plastic case with internal molded compartments to keep each component protected and easily accessible. All tools meet or exceed ANSI standard.
- [High Quality Material] - Made of high-quality steel and finished in heat treated chrome, durable and corrosion resistance. Handles made of TPR material, comfortable for grip.
- [Muti-purpose Tools Kit] - 325Pcs tools set for most small repairs and DIY projects around the house. It is perfect for handyman, construction workers, mechanics, work shops etc. This tool set is also a good gift choice for family member, friends, partners, etc.
- [Complete Varieties] - Comprehensive assortment of professional-grade wrenches, a complete range of 1/4 inch and 3/8 inch metric-sized sockets and precision screwdrivers, hammer, tape measure, pliers etc. The 72-tooth ratchet. Variety of 1/4-inch screwdriver bits: Phillips, slotted, square, star and pozi. Soft-grip handle on screwdrivers, pliers, srtipper and hammer provides excellent comfort and control.
- [Great Gift Choice] -This tool kit is easy to carry and stock. It is a good gift choice for men and women. Also this tool set is perfect for Father's Day, and is a great option as gift for Dad, Boyfriend & Brothers when chrismas.
Online business workflow
The Pro Online Experience supports:
- Creating quotes with a price lock for up to seven days.
- Separating purchaser and administrator roles.
- Setting spending limits for buyers.
- Exporting purchase information to QuickBooks.
These controls are designed for companies where an owner, office manager and field crew need different permissions. They can reduce duplicate ordering and approval calls even when the Perk itself is not the deciding factor.
Effect of the registered Pro Xtra Credit Card
Qualifying purchases made with a registered Home Depot Pro Xtra Credit Card receive four-times credit for Perk calculations. That multiplier affects progress toward the Perk calculation; it should not be described as four-times the cash value of the eventual Perk. Card terms, eligibility and any exclusions remain separate from the rewards terms.
How MyLowe’s Pro Rewards works
Enrollment and tiers
MyLowe’s Pro Rewards is available through a free Lowe’s Business Account and does not require a credit card. Annual qualifying spend determines the tier:
| Tier | Annual qualifying spend | Points per qualifying dollar |
|---|---|---|
| Gold Pro | $0–$9,999 | 1 point |
| Platinum Pro | $10,000–$24,999 | 1.25 points |
| Titanium Pro | $25,000 or more | 1.5 points |
Points accrue on up to $1.5 million in qualifying purchases. Lowe’s values 100 points at $1 of MyLowe’s Money, and the program also lists tools, gift cards and other exclusive items as reward options.
Rank #3
- 【Lightweight Cordless Drill】The 8V drill set can be used for drilling in wood and plastic, and tightening/loosening screws.Press the switch to adjust the speed of the electric drill, the maximum no-load speed of the mini drill is 800r/min. The net weight of the hand drill is only 1.65 pounds, and it is easy to operate with one hand.
- 【Rechargeable Battery】This drill is supplied with a type-C 1.5A charging cable.A universal charger or USB output(5Vd.c) can charge the small drill.The battery indicator light is at the back of the drill.
- 【Be a Handy Women】This cordless drill combo kit are made of alloy steel, chrome plated to prevent corrosion, grip is anti-skid and comfortable.It is a good tool sets for women to do general DIY.
- 【Multi-functional Tool Kit with Drill】This tool set contains the most practical and advanced tools for design, repair or maintenance. This tool box is perfect for decoration, furniture assembly, drilling, cutting, gardening, office or daily home maintenance.
- 【Package Included】8V Cordless Drill, hex nut screwdriver, Screwdriver, precision Screwdriver, twisted drills, hex key, magneitc bits holder, 50L bits, 25I bits, 1/4" sockets, Measure Tape Ruler, fasteners, claw hammer, adjustable wrench, Utility Knife Blade, Utility knife, Long Nose Pilers, User Manual.
Expiration rules
Points earned from January 1 through June 30 expire on June 30. Points earned from July 1 through December 31 expire on December 31. Once Lowe’s issues MyLowe’s Money, it expires 60 days after issuance. The short redemption windows make regular account checks important for contractors who buy seasonally.
Delivery and purchasing benefits
The benefits page lists free delivery and free same-day delivery on eligible orders over $25. Availability depends on geography, order contents and other restrictions, so verify the charge and promised date at checkout rather than assuming every delivery qualifies.
Members also receive member deals and volume discounts on eligible quoted orders of $2,000 or more. Those discounts are separate from points, and the quote must meet the program’s eligibility rules.
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A member receives a 20% paint discount after $3,000 in annual qualifying paint spend. The threshold applies to qualifying paint purchases, not automatically to every purchase made through the Business Account.
Rank #4
- LOW PROFILE RATCHET: Up to 25% thinner head* for access in tight spaces (as compared to CMMT81747)
- 72-TOOTH RATCHET: Delivers 5 degree arc swing
- CONVENIENCE: Comprehensive set of 1/4-in drive mechanics tools and mixed hand tools
- DURABLE BLOW MOLD CASE: For mobility and easy storage
- Full Lifetime Warranty on Mechanics Tools; Limited Lifetime Warranty on Hand Tools
Business-account tools
Lowe’s provides spend reports, online order quoting, purchase authorization for crew members, project management, Scan to Pay, multi-delivery scheduling and QuickBooks/Quicken integration. These features are most useful when several people purchase for separate jobs and the office needs a consolidated view.
Pro Credit Card treatment
Customers approved for the Lowe’s Pro Credit Card start at Platinum Pro and receive 5% savings on eligible purchases. Credit approval, product exclusions and other card terms apply. The 5% savings is not the same as the points rate and should be evaluated separately from MyLowe’s Money.
What the published points are worth
MyLowe’s published conversion makes a simple estimate possible, provided every dollar in the example qualifies and the stated tier rate applies to that spend:
- Gold illustration: $6,000 × 1 point = 6,000 points, or $60 in MyLowe’s Money.
- Platinum illustration: $15,000 × 1.25 points = 18,750 points, or $187.50 in MyLowe’s Money.
- Titanium illustration: $30,000 × 1.5 points = 45,000 points, or $450 in MyLowe’s Money.
These are arithmetic illustrations, not guaranteed payouts. Actual qualifying-product rules, tier timing, exclusions and expiration dates control the result. Home Depot does not provide an equivalent public conversion in the information summarized here, so a dollar-for-dollar comparison would be speculative. Use the Perk value displayed in your Rewards Hub instead.
Best Value
- Mechanic's 201-piece tool kit and socket set for tackling multiple sizes and types of fasteners, especially nuts and bolts
- Includes most popular 1/4, 3/8 and 1/2 inch sockets, hex keys, and screwdriver bits; both Metric and SAE sizes included
- Chrome-vanadium steel forged body for torque, strength, and durability
- Full polished-chrome finish provides anti-corrosion protection
- Case provides convenient tool storage and portability
Which program gives the better return on contractor spending?
Choose MyLowe’s Pro Rewards when predictability matters
- Your annual spend is below the higher Home Depot tiers and you want a published formula.
- Free delivery or eligible same-day delivery can replace paid courier trips.
- You need spend reports and purchase authorization for crew members.
- You can redeem points before the twice-yearly expiration dates and use MyLowe’s Money within 60 days.
- You buy enough qualifying paint to reach the $3,000 annual threshold.
Choose Pro Xtra when Home Depot already runs the job
- Home Depot is your primary supplier and changing stores would add travel or coordination costs.
- You rent tools often enough for rental perks to matter.
- Your purchasing volume can reach Elite or VIP treatment.
- Preferred pricing on selected in-stock items is more useful than a general points currency.
- You need seven-day quote price locks, administrator/purchaser roles, spending limits or QuickBooks export.
- You can consistently identify every business purchase and monitor the Rewards Hub deadline.
When the answer depends on your job mix
A remodeler buying large quantities of paint may value Lowe’s 20% paint discount after the qualifying threshold. A maintenance contractor renting equipment weekly may obtain more practical value from Pro Xtra rental perks. A multi-crew builder should compare authorization, quote and delivery workflows rather than looking only at the headline reward.
How to set up each program without losing qualifying spend
Pro Xtra checklist
- Confirm that the account will be used for professional business transactions.
- Create or access the Pro Xtra account and record the Pro Xtra ID for every purchaser.
- Register the tender used by the business, including the Pro Xtra Credit Card if applicable.
- At checkout, identify the account before payment; online, stay signed in to the business account.
- Review annual qualifying spend and tier status in the account.
- When a threshold is reached, open the Rewards Hub and select the Perk within 60 days if the threshold was met on or after January 1, 2026.
- Use the Pro Online Experience to assign roles, set limits, create quotes and export records.
MyLowe’s Pro Rewards checklist
- Create the free Lowe’s Business Account and add the people who purchase for your jobs.
- Set purchase authorization so crew members can buy without sharing the owner’s credentials.
- Confirm that each transaction is attached to the Business Account and review the annual qualifying-spend tier.
- Use spend reports and project tools to separate jobs and schedule deliveries.
- Watch the points ledger for the June 30 or December 31 expiration date that applies to each earning period.
- Redeem MyLowe’s Money promptly and note its 60-day expiration date after issuance.
- Before relying on same-day delivery, confirm that the order is eligible and that the delivery address is covered.
Costs, limits and conditions to verify
Neither program should be valued from a headline benefit alone. Benefits, thresholds, eligible products, delivery geography and card terms can change and may include exclusions. Before changing suppliers, check the current member dashboard and terms for:
- Which product categories count as qualifying purchases.
- Whether a quoted order, return or adjustment changes qualifying spend.
- The exact Perk choices and expiration shown in the Pro Xtra Rewards Hub.
- Delivery fees, minimums and same-day service coverage for your job sites.
- Paint-channel participation and the definition of qualifying paint spend.
- Credit approval, exclusions and savings limits on either retailer’s card.
Local availability can outweigh a theoretical reward rate. Lowe’s reported in a February 17, 2026 corporate release that it serves approximately 16 million customer transactions per week, generated more than $83 billion in fiscal 2024 sales, and has approximately 300,000 associates, more than 1,700 stores, 530 branches and 130 distribution centers. Those figures describe network scale, not a guarantee that a particular item is stocked or deliverable to your site.
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- List the last 12 months of spend by materials, paint, rentals, delivery and quoted orders.
- Separate qualifying from nonqualifying purchases using each program’s current terms.
- Estimate Lowe’s points at the tier you would actually hold, then subtract value lost to the June/December and 60-day expiration windows.
- Check Home Depot’s Rewards Hub for the Perk choices available to your account; do not substitute a guessed cash value.
- Price the workflow: quote locks, approvals, reports, delivery scheduling, rental convenience and travel time.
- Run a local basket test for your commonly purchased items, including delivery charges and job-site availability.
- Choose the program that lowers total job cost, not simply the one with the larger advertised percentage.
Lowe’s executive vice president of Pro and Home Services, Quonta (Que) Vance, said in the company’s February 17, 2026 release, “Pros are managing tight timelines and multiple jobs at once.” That is the useful standard for this comparison: the better program is the one that returns measurable rewards while keeping materials, approvals and deliveries moving on your actual jobs.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
